9 W Main St, Lonaconing, MD 21539 Property Records

Allegany County property record for 9 W Main St, Lonaconing, MD 21539

Property Summary

Property Type	Townhouse
Details	2 ba · 2,296 sqft · built 1920
Lot Size	0.075 acres (3,256 sqft)
Owner	2 Individual Names on File
Last Sale	$116,500 (Jul 2023)
Tax Bill	$1,156 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`10-004942`

Property Details

APN / Parcel Number

Primary APN	`10-004942`
Alternative APN	`004942`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,296 sqft Total Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,256 sqft (0.075 acres)
Porch	Slab
Porch Area	350 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	004942
Street Address	9 W MAIN ST
City	LONACONING
State	MD
Zip	21539-1016
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	E/S W MAIN ST 46X77 42X71
Legal Subdivision	BUTCHERS ISLAND
Jurisdiction	ALLEGANY MD
Township / Civil Division	10, LONACONING
Census Block Group	2
Census Block	2028
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

9 W Main St, a townhouse, is owned and occupied by two individuals who bought it in July 2023.

Source: Allegany County records, as of October 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	9 W MAIN ST, LONACONING, MD 21539-1016
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2023 · Amount on File
Deed Sale	Jul 3, 2023 · Amount on File
Prior Sale	Nov 13, 2014 · Amount on File
Deed Book / Page	2893 / 286
Record Updated	Oct 29, 2026

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Jul 3, 2023
Property Address	9 W MAIN ST, LONACONING, MD 21539-1016
Document Number	002893-0286
Book / Page	2893 / 286
Instrument Date	May 18, 2023
Transaction Type	Transfer
Record Updated	Sep 25, 2023
Title Company	ATTICUS TITLE SERVICES LLC, ATTLCUS TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$582.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9 W MAIN ST, LONACONING, MD 21539-1016

Mortgage

Document Number	0028930295
Date	Jul 3, 2023
Instrument	2893-0295

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jun 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 9 W Main St was $1,156.

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		$91,067	$114,800 Land $7,000 Building $107,800
2025	$1,156.00
2023	$957.00	$64,200 (+13.23%)	$79,200 (+39.68%) Land $5,000 Building $74,200
2022		$56,700 Land $5,000 Building $51,700	$56,700 Land $5,000 Building $51,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 9 W Main St in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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	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

Wildfire risk around 9 W 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.

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