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Single Family ResidenceResidential
$165,399$88 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

20510 WATER STATION RUN RD SW

LONACONING, MD 21539
2
Baths
1,876 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
2.6 ac
Lot SizeThe size of the land the home sits on, from county records.
1997
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$165K
$151K low$180K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$103,399
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$82,719
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.38%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$62,000
FIRST PEOPLES COMMUNITY FCU · recorded Nov 1, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,444 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$146,533 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$132,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$174,000

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.45
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
14
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
70
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
92
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
48
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyALLEGANY
Lot (acres)The size of the land the home sits on, from county records.2.60
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
George's Creek Elementary SchoolC
Elementary · Grades PK–5 · 1.1 mi
M
Westmar Middle SchoolC
Middle · Grades 6–8 · 1.5 mi
H
Mountain Ridge High SchoolB
High · Grades 9–12 · 6.5 mi

District: Allegany County Public Schools

Neighborhood · ZIP 21539These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.129
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.34

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.84%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.9.2%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.18%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.2,363
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.69 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$56,411
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$68,156
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.42 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

20510 Water Station Run Rd Sw measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 73% of homes in Lonaconing 21539
  • Bigger than 78% of homes in Allegany County
  • Has a bigger lot than 90% of homes in Allegany County
  • Newer than 92% of homes in Allegany County

What homes are worth in Lonaconing 21539

Each bar is how many homes fall in that price range. The marker is this home.

This home
$28K$519K

This home is worth more than 73% of homes in Lonaconing 21539.

How it measures up in Lonaconing 21539

The dot is this home. The mark in the middle is the typical home in Lonaconing 21539.

Estimated value$165,399
CheaperTypical $108,660Pricier

Pricier than 73% of homes nearby

Price per ft²$88
CheaperTypical $73Pricier

Pricier than 61% of homes nearby

Living area1,876 ft²
SmallerTypical 1,568 ft²Bigger

Bigger than 68% of homes nearby

Lot size2.6 ac
SmallerTypical 0.34 acBigger

Bigger than 84% of homes nearby

Year built1997
OlderTypical 1925Newer

Newer than 90% of homes nearby

How 20510 Water Station Run Rd Sw ranks against every home in each area.
MeasureThis homeLonaconing 21539Allegany County
Estimated valuepricier than$165,39973% of homes60% of homes
Price per ft²pricier than$8861% of homes36% of homes
Living areabigger than1,876 ft²68% of homes78% of homes
Lot sizebigger than2.6 ac84% of homes90% of homes
Year builtnewer than199790% of homes92% of homes

About 20510 Water Station Run Rd Sw

How much is 20510 Water Station Run Rd Sw, Lonaconing, MD worth?

The TopHap Estimate for 20510 Water Station Run Rd Sw, Lonaconing, MD is $165,399 as of Jul 14, 2026. The likely range is $151,090 to $179,708. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20510 Water Station Run Rd Sw, Lonaconing, MD last sell?

20510 Water Station Run Rd Sw, Lonaconing, MD last sold on May 1, 1997, according to the county's recorded deed.

How big is 20510 Water Station Run Rd Sw, Lonaconing, MD?

20510 Water Station Run Rd Sw, Lonaconing, MD has 2 bathrooms, 1,876 square feet of living space and a 2.60-acre lot.

When was 20510 Water Station Run Rd Sw, Lonaconing, MD built?

20510 Water Station Run Rd Sw, Lonaconing, MD was built in 1997, making it 29 years old. The building has 1 story.

What schools serve 20510 Water Station Run Rd Sw, Lonaconing, MD?

20510 Water Station Run Rd Sw, Lonaconing, MD is assigned to George's Creek Elementary School (elementary), rated C; Westmar Middle School (middle), rated C; Mountain Ridge High School (high), rated B. All sit in Allegany County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20510 Water Station Run Rd Sw, Lonaconing, MD compare to other homes in Lonaconing 21539?

Among the 1,088 homes in Lonaconing 21539, it is worth more than 73% of them ($165,399 against a typical $108,660), its price per square foot is higher than 61% of them ($88 against a typical $73), it is bigger than 68% of them (1,876 ft² against a typical 1,568 ft²), its lot is bigger than 84% of them (2.6 ac against a typical 0.34 ac) and it is newer than 90% of them (1997 against a typical 1925). Measured against all of Allegany County, it is worth more than 60% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 20510 Water Station Run Rd Sw, Lonaconing, MD?

The 2025 property tax bill for 20510 Water Station Run Rd Sw, Lonaconing, MD was $1,444. The county assessed it at $146,533.

Closest homes

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Assigned schools

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