Allegany County property record for 4 E Florida Way, Lonaconing, MD 21539
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,120 sqft · built 2002 |
| Lot Size | 0.253 acres (11,025 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $275,000 (Jan 2026) |
| Tax Bill | $3,087 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Jan 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-008549 |
| Primary APN | 10-008549 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,120 sqft Total Area |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 11,025 sqft (0.253 acres) |
| Garage Type | Mixed |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 146 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 008549 |
|---|---|
| Street Address | 4 E FLORIDA WAY |
| City | LONACONING |
| State | MD |
| Zip | 21539-1311 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RAILROAD ST WATERCLIFFE 75X147 74X149 |
| Jurisdiction | ALLEGANY MD |
| Township / Civil Division | 10, LONACONING |
| Census Block Group | 3 |
| Census Block | 3016 |
| 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.
4 E Florida Way is owned by two individuals who bought it in January 2026.
Source: Allegany County records, as of October 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4 W FLORIDA WAY, LONACONING, MD 21539-1313 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 31, 2023 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO |
| Jan 12, 2026 | Deed, Transfer · Conventional Mortgage TRUIST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 12, 2026 · Amount on File |
| Deed Sale | Jan 12, 2026 · Amount on File |
| Prior Sale | Nov 24, 2025 · Amount on File |
| Deed Book / Page | 3126 / 17 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Property Address | 4 E FLORIDA WAY, LONACONING, MD 21539-1311 |
| Transaction Type | Mortgage |
| Record Updated | Feb 4, 2026 |
| Title Company | UNKNOWN, RGS TITLE LLC MATS |
| Name | Verified Name |
|---|
| Document Number | 002903-0215 |
|---|---|
| Date | Aug 31, 2023 |
| Book Page | 2903/215 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Recording Date | Jan 12, 2026 |
| Property Address | 4 E FLORIDA WAY, LONACONING, MD 21539-1311 |
| Document Number | 003126-0017 |
| Book / Page | 3126 / 17 |
| Instrument Date | Nov 21, 2025 |
| Transaction Type | Transfer |
| Record Updated | Feb 4, 2026 |
| Title Company | ATTICUS TITLE SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,375.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4 W FLORIDA WAY, LONACONING, MD 21539-1313 |
| Document Number | 0000312624 |
|---|---|
| Date | Jan 12, 2026 |
| Instrument | 3126/24 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 1, 2055 |
The 2025 property tax bill for 4 E Florida Way was $3,087.
Source: Allegany County assessment roll, as of October 1, 2026
| 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 | $240,300 (+0.97%) | $244,900 (+2.9%) Land $15,200 Building $229,700 | |
| 2025 | $3,087.00 | $238,000 Land $6,600 Building $231,400 | $238,000 Land $6,600 Building $231,400 |
| 2023 | $1,997.00 | $183,733 | $238,000 Land $6,600 Building $231,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4 E Florida Way 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 risk around 4 E Florida Way is low, with a 0.03% annual chance of wildfire.
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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