Allegany County property record for 51 Main St, Lonaconing, MD 21539
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,860 sqft · built 1920 |
| Lot Size | 0.136 acres (5,921 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $35,400 (Mar 1987) |
| Tax Bill | $1,180 (2025) |
| Deeds & Mortgages | May 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-006384 |
| Primary APN | 10-006384 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,860 sqft Total Area |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 5,921 sqft (0.136 acres) |
| Porch | Slab |
| Porch Area | 168 sqft |
| Heating System | Baseboard |
|---|---|
| Sewer | Connected |
| Account Number | 006384 |
|---|---|
| Street Address | 51 MAIN ST |
| City | LONACONING |
| State | MD |
| Zip | 21539-1124 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAIN ST 48X129 45X125 |
| Jurisdiction | ALLEGANY MD |
| Township / Civil Division | 10, LONACONING |
| Census Block Group | 2 |
| Census Block | 2027 |
| 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.
51 Main St is owned and occupied by two individuals who bought it in March 1987.
Source: Allegany County records, as of October 1, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 51 MAIN ST, LONACONING, MD 21539-1124 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 11, 1987 · Amount on File |
| Deed Sale | Mar 11, 1987 · Amount on File |
| Deed Book / Page | 562 / 504 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Property Address | 51 MAIN ST, LONACONING, MD 21539-1124 |
| Document Number | 0022990428 |
| Book / Page | 002299 / 000428 |
| Instrument Date | May 8, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2017 |
| Name | Verified Name |
|---|---|
| Address | 51 MAIN ST LONACONING MD 215391124, LONACONING, MD 21539-1124 |
| Document Number | 0022990428 |
|---|---|
| Date | May 25, 2017 |
| Book Page | 002299/000428 |
| Name | ALLEGANY CNTY TEACHERS FCU |
|---|---|
| Type | Credit Union |
| Address | LAVALE, MD 21502 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | May 24, 2022 |
The 2025 property tax bill for 51 Main St was $1,180.
Source: Allegany County assessment roll, as of October 1, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Allegany County |
| Municipality | Lonaconing Town |
| Unified School District | Allegany County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $83,533 | $89,000 Land $8,800 Building $80,200 | |
| 2025 | $1,180.00 | ||
| 2023 | $905.00 | $60,733 | $80,800 Land $5,000 Building $75,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 51 Main St in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 |
|
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 51 Main St 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 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.
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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