37 E Railroad St, Lonaconing, MD 21539 Property Records

Allegany County property record for 37 E Railroad St, Lonaconing, MD 21539

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,384 sqft · built 1964
Lot Size	0.333 acres (14,508 sqft)
Owner	2 Individual Names on Record
Last Sale	$199,900 (Jan 2022)
Tax Bill	$1,915 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`10-007909`

Property Details

APN / Parcel Number

Primary APN	`10-007909`
Alternative APN	`007909`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,384 sqft Total Area
Basement Area	600 sqft
Finished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	14,508 sqft (0.333 acres)
Garage Type	Basement
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Pool Area	512 sqft
Porch	Slab
Porch Area	36 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	007909
Street Address	37 E RAILROAD ST
City	LONACONING
State	MD
Zip	21539-1324
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINK ROW RAILROAD ST 68X170 88X202
Jurisdiction	ALLEGANY MD
Township / Civil Division	10, LONACONING
Census Block Group	2
Census Block	2012
Census Tract	2100

Historic Designation

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.

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	37 E RAILROAD ST, LONACONING, MD 21539-1324
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2022 · Amount on Record
Deed Sale	Jan 24, 2022 · Amount on Record
Prior Sale	Oct 10, 2002
Deed Book / Page	2746 / 234
Transfer Doc	0000001951
Record Updated	Oct 29, 2026

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Jan 24, 2022
Property Address	37 E RAILROAD ST, LONACONING, MD 21539-1324
Document Number	002746-0234
Book / Page	2746 / 234
Instrument Date	Dec 8, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	MARYLAND TITLE CENTER LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	37 E RAILROAD ST, LONACONING, MD 21539-1324

Mortgage

Document Number	0002746242
Date	Jan 24, 2022
Instrument	2746/242

Lender

Name	FIRST UNITED BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

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		$196,200 (+5.03%)	$215,000 (+15.1%) Land $16,100 Building $198,900
2025	$1,915.00 (+6.92%) Homeowner's exemption	$186,800 (+34.45%) Land $7,500 Building $179,300	$186,800 (-) Land $7,500 Building $179,300
2023	$1,791.00 Homeowner's exemption	$138,933	$186,800 Land $7,500 Building $179,300

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	17 (1996–2025)
Claims Outside the SFHA	4 of 17
Most Recent Claim	May 2025 · rainfall accumulation
Claims by Event	Severe Storms And Flooding Assoc With Tropical Storm Fran, Sep 1996 · 6 claims

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

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	Indirect within ember reach

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

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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