Allegany County property record for 20 E Florida Way, Lonaconing, MD 21539
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,580 sqft · built 1839 |
| Lot Size | 0.179 acres (7,797 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $125,000 (Apr 2022) |
| Tax Bill | $1,646 (2025) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Apr 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-010071 |
| Primary APN | 10-010071 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,580 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1839 |
|---|---|
| Effective Year Built | Effective 1839 |
| Exterior Material | Siding |
| Lot Area | 7,797 sqft (0.179 acres) |
| Lot Dimensions | 111 ft deep x 69 ft wide |
| Porch | Slab |
| Porch Area | 72 sqft |
| Patio Area | 102 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 010071 |
|---|---|
| Street Address | 20 E FLORIDA WAY |
| City | LONACONING |
| State | MD |
| Zip | 21539-1311 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WATERCLIFFE LOT 9 69X111 115 |
| Legal Lot Number | 9 |
| Jurisdiction | ALLEGANY MD |
| Township / Civil Division | 10, LONACONING |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 2100 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Lonaconing Historic District listed 1983 · 231 contributing resources · NRIS 83002919 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Allegany County records, as of August 18, 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 | 20 E FLORIDA WAY, LONACONING, MD 21539-1311 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
| Date | Document |
|---|---|
| Apr 11, 2022 | Deed, Transfer · Conventional Mortgage FIRST MORTGAGE SERVICES GROUP INC |
| Apr 30, 2021 | Deed, Transfer · Conventional Mortgage C&F MORTGAGE CORP |
| Mar 26, 2020 | Deed of Trust, Mortgage WEPCO FCU |
| Dec 11, 2019 | Grant Deed, Transfer JANE A MCALPINE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 11, 2022 · Amount on Record |
| Deed Sale | Apr 11, 2022 · Amount on Record |
| Prior Sale | Apr 30, 2021 · Amount on Record |
| Deed Book / Page | 2771 / 301 |
| Transfer Doc | 0000000395 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Recording Date | Apr 11, 2022 |
| Property Address | 20 E FLORIDA WAY, LONACONING, MD 21539-1311 |
| Document Number | 002771-0301 |
| Book / Page | 2771 / 301 |
| Instrument Date | Mar 15, 2022 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 20 E FLORIDA WAY, LONACONING, MD 21539-1311 |
| Document Number | 0002771306 |
|---|---|
| Date | Apr 11, 2022 |
| Instrument | 2771/306 |
| Name | FIRST MORTGAGE SERVICES GROUP INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Recording Date | Apr 30, 2021 |
| Property Address | 20 E FLORIDA WAY, LONACONING, MD 21539-1311 |
| Document Number | 002654-0423 |
| Book / Page | 2654 / 423 |
| Instrument Date | Mar 19, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 19207 LEGISLATIVE RD, BARTON, MD 21521-2248 |
| Document Number | 0002654429 |
|---|---|
| Date | Apr 30, 2021 |
| Instrument | 2654/429 |
| Name | C&F MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Property Address | 20 E FLORIDA WAY, LONACONING, MD 21539-1311 |
| Document Number | 0025450413 |
| Instrument Date | Mar 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 10, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 20 E FLORIDA WAY LONACONING MD 215391311, LONACONING, MD 21539-1311 |
| Document Number | 0025450413 |
|---|---|
| Date | Apr 6, 2020 |
| Book Page | 002545/000413 |
| Name | WEPCO FCU |
|---|---|
| Type | Credit Union |
| Address | CUMBERLAND, MD 21502 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Apr 5, 2035 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Recording Date | Dec 11, 2019 |
| Property Address | 20 E FLORIDA WAY, LONACONING, MD 21539-1311 |
| Document Number | 0025200243 |
| Book / Page | 002520 / 000243 |
| Instrument Date | Dec 6, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $84.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 20 E FLORIDA WAY LONACONING MD 215391311, LONACONING, MD 21539-1311 |
| Document Number | 25200247 |
|---|---|
| Date | Dec 11, 2019 |
| Book Page | 002520/000247 |
| Name | JANE A MCALPINE |
|---|---|
| Special Notes | Seller Financed |
| Amount | Amount Recorded |
|---|
Source: Allegany County assessment roll, as of July 31, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Allegany County |
| Unified School District | Allegany County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $131,467 (+3.6%) | $140,600 (+10.8%) Land $11,600 Building $129,000 | |
| 2025 | $1,646.00 (+107.57%) | $126,900 (+73.91%) Land $5,000 Building $121,900 | $126,900 (-) Land $5,000 Building $121,900 |
| 2023 | $793.00 | $72,967 | $126,900 Land $5,000 Building $121,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 71% of Maryland |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MIDLAND-LONACONING serves 5,000 people · EPA ID MD0010018 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2025 |
| Lead | 1 ppb (2025) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Apr 2025 Turbidity resolved · Jan 2023 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 9 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 268 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 |
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