118 Jackson St, Lonaconing, MD 21539 Property Records

Allegany County property record for 118 Jackson St, Lonaconing, MD 21539

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,102 sqft · built 1870
Lot Size	0.51 acres (22,211 sqft)
Owner	2 Individual Names on File
Last Sale	$133,000 (Feb 2025)
Tax Bill	$1,684 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-007836`

Property Details

APN / Parcel Number

Primary APN	`10-007836`
Alternative APN	`007836`

Interior

Full Baths	2 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,102 sqft Total Area

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Exterior Material	Siding
Roof Material	Metal
Lot Area	22,211 sqft (0.51 acres)
Porch	Slab
Porch Area	264 sqft
Deck Area	99 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	007836
Street Address	118 JACKSON ST
City	LONACONING
State	MD
Zip	21539-1301
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JACKSON ST LOTS 27-28 69X337 64X331
Legal Subdivision	JACKSON ST
Legal Lot Number	27,28
Jurisdiction	ALLEGANY MD
Township / Civil Division	10, LONACONING
Census Block Group	3
Census Block	3031
Census Tract	2100

Owner

118 Jackson St is owned by two individuals who bought it in February 2025.

Source: Allegany County records, as of October 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	13126 YELLOW ROW RD NW, MOUNT SAVAGE, MD 21545-1038
Owner Type	Individual
Vesting	Et Al (and Others)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage CREDIT UNION MORTGAGE ASSOCIATION INC
Mar 31, 2017	Deed of Trust, Mortgage · Conventional Mortgage CHESSIE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 2025 · Amount on File
Deed Sale	Feb 13, 2025 · Amount on File
Prior Sale	Aug 16, 2000 · Amount on File
Deed Book / Page	3037 / 371
Prior Transfer Date	Jun 7, 1993
Prior Transfer Doc	0609000741
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	118 JACKSON ST, LONACONING, MD 21539-1301
Transaction Type	Mortgage
Record Updated	Aug 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002686-0127
Date	Jul 27, 2021
Book Page	2686/127

Lender

Name	CREDIT UNION MORTGAGE ASSOCIATION INC
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	118 JACKSON ST, LONACONING, MD 21539-1301
Document Number	0022880441
Book / Page	002288 / 000441
Instrument Date	Mar 31, 2017
Transaction Type	Mortgage
Record Updated	Jul 24, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 JACKSON ST LONACONING MD 215391301, LONACONING, MD 21539-1301

Mortgage

Document Number	0022880441
Date	Apr 7, 2017
Book Page	002288/000441

Lender

Name	CHESSIE FCU
Type	Credit Union
Address	CUMBERLAND, MD 21502

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 6, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%

Tax Assessment & Valuation

The 2025 property tax bill for 118 Jackson St was $1,684.

Source: Allegany County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Allegany County
Municipality	Lonaconing Town
Unified School District	Allegany County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$120,233	$130,100 Land $18,000 Building $112,100
2025	$1,684.00
2023	$1,300.00	$87,233	$115,300 Land $9,400 Building $105,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 118 Jackson St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 12, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	4 (1996–2025)
Most Recent Claim	May 2025 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 118 Jackson St is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · above 73% of Maryland
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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