451 Chaney Rd, Lonaconing, MD 21539 Property Records

Garrett County property record for 451 Chaney Rd, Lonaconing, MD 21539

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,160 sqft · built 2011
Lot Size	4.62 acres (201,247 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,233 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Jun 2018 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-005181`

Property Details

APN / Parcel Number

Primary APN	`15-005181`
Alternative APN	`005181`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,160 sqft Total Area

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	201,247 sqft (4.62 acres)
Garage Type	Attached
Garage Area	1,288 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	250 sqft
Deck Area	128 sqft

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	005181
Street Address	451 CHANEY RD
City	LONACONING
State	MD
Zip	21539-2162
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4.62 AC N/S CHANEY RD AVILTON
Legal Lot Number	1
Jurisdiction	GARRETT MD
Township / Civil Division	15, AVILTON
Census Block Group	2
Census Block	2007
Census Tract	300

Owner

451 Chaney Rd is owned and occupied by two individuals who acquired it in September 2019.

Source: Garrett County records, as of October 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	451 CHANEY RD, LONACONING, MD 21539-2162
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL COMMUNITY CREDIT UNION
Jun 7, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST PEOPLES COMMUNITY FCU
Sep 27, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2010
Deed Sale	May 3, 2010
Deed Document Number	2010377
Deed Book / Page	1506 / 130
Last Transfer Date	Sep 10, 2019
Transfer Doc	0021580235
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Recording Date	Sep 22, 2026
Property Address	451 CHANEY RD, LONACONING, MD 21539-2162
Document Number	2713000104
Book / Page	2713 / 104
Instrument Date	Aug 26, 2026
Transaction Type	Mortgage
Record Updated	Oct 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	451 CHANEY RD, LONACONING, MD 21539-2162

Mortgage

Document Number	2713000104,
Date	Sep 22, 2026
Book Page	2713/104

Lender

Name	FIRST FEDERAL COMMUNITY CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 1, 2036

Interest

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

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRETT MD
Property Address	451 CHANEY RD, LONACONING, MD 21539-2162
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020760395
Date	Jun 7, 2018
Book Page	2076/0395

Lender

Name	FIRST PEOPLES COMMUNITY FCU
Type	Credit Union
Address	CUMBERLAND, MD 21501

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	84 Months
Due	Jun 6, 2025

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARRETT MD
Recording Date	Sep 27, 2019
Property Address	451 CHANEY RD, LONACONING, MD 21539-2162
Document Number	0021580235
Book / Page	002158 / 000235
Instrument Date	Aug 10, 2019
Transaction Type	Transfer
Record Updated	Oct 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	451 CHANEY RD LONACONING MD 215392162, LONACONING, MD 21539-2162

Tax Assessment & Valuation

The 2026 property tax bill for 451 Chaney Rd was $3,233 with a homeowner's exemption, up 1% from the year before.

Source: Garrett County assessment roll, as of July 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,233.00 (+0.97%) Homeowner's exemption	$323,900 (+9.2%)	$351,200 (-) Land $30,400 Building $320,800
2025	$3,202.00 Homeowner's exemption	$296,600	$351,200 Land $30,400 Building $320,800
2023	$3,093.00 Homeowner's exemption	$259,733	$269,300 Land $23,900 Building $245,400

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

Flood

FEMA maps place 451 Chaney Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1994.

Source: FEMA National Flood Hazard Layer, effective February 1, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	5 (1994–2025)
Claims Outside the SFHA	2 of 5
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 451 Chaney Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · above 68% 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)
Pogozone powered by Neubeam Fixed Wireless	300 / 40
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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