18801 Coco Rd SE, Oldtown, MD 21555 Property Records

Allegany County property record for 18801 Coco Rd SE, Oldtown, MD 21555

Property Summary

Property Type	Single Family Home
Details	1 ba · 396 sqft · built 1989
Lot Size	5.99 acres (260,924 sqft)
Owner	2 Individual Names on Record
Last Sale	$155,000 (Feb 2016)
Tax Bill	$2,147 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Aug 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`16-014923`

Property Details

APN / Parcel Number

Primary APN	`16-014923`
Alternative APN	`014923`

Interior

Full Baths	1 Bath
Half Baths	1 Half Bath
Stories	1 Story
Building Area	396 sqft Total Area
Basement Area	560 sqft
Finished Basement	560 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Logs
Roof Material	Composition Shingle
Lot Area	260,924 sqft (5.99 acres)
Garage Type	Detached
Garage Area	1,152 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	120 sqft
Deck Area	160 sqft
Patio Area	40 sqft
Shed	1 Shed
Shed Area	120 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	014923
Street Address	18801 COCO RD SE
City	OLDTOWN
State	MD
Zip	21555-1257
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5.99A W/S KELLEY PLACE PARCEL 13 POMONA FARMS
Legal Subdivision	POMONA FARMS
Jurisdiction	ALLEGANY MD
Township / Civil Division	16, NORTH BRANCH
Census Block Group	1
Census Block	1019
Census Tract	200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	18801 COCO RD SE, OLDTOWN, MD 21555-1257
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL COMMUNITY CREDIT UNION
Aug 8, 2018	Deed of Trust, Mortgage · Line of Credit STATE EMPS CU/MD INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2016 · Amount on Record
Deed Sale	Feb 26, 2016 · Amount on Record
Prior Sale	Oct 2, 2002 · Amount on Record
Deed Book / Page	2196 / 232
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Recording Date	Jul 14, 2026
Property Address	18801 COCO RD SE, OLDTOWN, MD 21555-1257
Document Number	3180000184
Book / Page	3180 / 184
Instrument Date	Jul 6, 2026
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	RD SETTLEMENTS LLC, ELEVATED SETTLEMENTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18801 COCO RD SE, OLDTOWN, MD 21555-1257

Mortgage

Document Number	3180000184,
Date	Jul 14, 2026
Book Page	3180/184

Lender

Name	FIRST FEDERAL COMMUNITY CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 10, 2041

Interest

Rate Type	Fixed Rate
Rate	5.79%
Initial Type	Fixed Rate
Max Rate	-1%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	18801 COCO RD SE, OLDTOWN, MD 21555-1257
Document Number	0024110343
Instrument Date	Aug 8, 2018
Transaction Type	Mortgage
Record Updated	Sep 26, 2018
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18801 COCO RD SE OLDTOWN MD 215551257, OLDTOWN, MD 21555-1257

Mortgage

Document Number	0024110343
Date	Sep 13, 2018
Book Page	002411/000343

Lender

Name	STATE EMPS CU/MD INC
Address	LINTHICUM, MD 21090

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 12, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$221,833 (+18.99%)	$235,100 (+20.38%) Land $70,600 Building $164,500
2025	$2,147.00 (+8.93%) Homeowner's exemption
2023	$1,971.00 Homeowner's exemption	$186,433	$195,300 Land $70,600 Building $124,700

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 12, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.02% 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

May also be available: SkyPacket.

Cell Coverage

5G and 4G LTE (outdoors only)

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