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20905 Water Station Run Rd SW, Lonaconing, MD, 21539

4beds
2baths
3,336sqft
$315,000
$94price/sqft
$2,512/moest. monthly cost
$100,480/yrincome needed

About This Home

WELCOME HOME! Owner's pride in this home is so evident! All the brick, stone, and concrete work was all done by a master craftsman, the owner of the home! He is known in the area for his talent and craft of masonry. Nestled in a serene rural setting, this exquisite traditional home, originally built in 1925 and thoughtfully renovated in 2014, offers a perfect blend of timeless charm and modern luxury. You need to come see the home to fully see the beauty of the absolutely stunning fireplaces and bedroom wall. The home is heated with an outdoor Mahoney 500 gallon model coal furnace. This residence features four spacious bedrooms and two full bathrooms, providing ample space for relaxation and entertainment. Step inside to discover a warm and inviting interior, where a traditional floor plan seamlessly connects the living spaces. One of the bedrooms has a stunning wall of custom stone work. The cozy ambiance is enhanced by two stunning custom stone fireplaces, each adorned with elegant mantels, creating a perfect focal point for cozy evenings. Retreat to the luxurious bathroom, where you can unwind in a soaking clawfoot tub or enjoy the refreshing experience of a walk-in shower with two shower heads. The floors and shelving/sitting areas of the bathroom are heated for added comfort. The home features wood plank flooring throughout with the exception of one room of carpet. The fully finished basement, accessible from both inside and outside, offers additional living space with a second kitchen and much more. The lower level has access entry and could also be used as a rental or in-law suite with all the same amenities as the main home. Rent the lower level to assist with your payments! Outside, the property is equally impressive. Set on a generous 0.45-acre lot, the exterior showcases a blend of custom stone and brick work, vinyl siding, raised garden beds, greenhouse, and a beautiful lawn exuding curb appeal. Enjoy the tranquility of nature with views of the surrounding mountains, trees, and the peaceful street. The outdoor space includes a charming patio and porch, perfect for sipping morning coffee or hosting summer barbecues. The property also features an oversized attached garage with additional storage space, along with a private asphalt driveway that accommodates multiple vehicles. This home is not just a residence; it's a lifestyle. Experience the perfect balance of comfort, elegance, and convenience in a setting that invites you to create lasting memories. Embrace the opportunity to call this remarkable property your own, where every detail has been thoughtfully curated. For those who appreciate outdoor activities, Dan's Mtn. State Park offers, a community pool, fishing pond, camping, pavilions, and hiking/biking trails, providing a refreshing escape during all months of the year. The property is within 45 minutes of Deep Creek Lake and 30 minutes of Cumberland offering additional enjoyments of outdoor living. *Some Photos have been Ai enhanced.

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

5/10
Westmar Middle SchoolGrades 6-81.3 mi
7/10

Construction

Condition

  • Year built: 1925

Materials

  • Foundation: Block
  • Roof: Composition
  • Construction materials: Stone,Brick,Vinyl Siding,Aluminum Siding,Masonry

Notable Dates

  • Major remodel year: 2014

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Water Heater
  • Laundry features: Hookup,Lower Level

Basement

  • Has basement: Yes
  • Basement: Finished,Interior Entry,Exterior Entry,Rear Entrance

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1

Dining Room

  • Level: Main

Dining Room

  • Level: Lower

Exercise Room

  • Level: Main

Family Room

  • Level: Lower

Features

  • 2nd Kitchen,Soaking Tub,Bathroom - Walk-In Shower,Ceiling Fan(s),Floor Plan - Traditional,Combination Kitchen/Dining,Entry Level Bedroom,Dry Wall
  • Flooring: Luxury Vinyl,Carpet
  • Number of fireplaces: 2
  • Fireplace features: Stone,Wood Burning,Mantel(s),Screen,Flue for Stove
  • Fireplace: Yes
  • Finished area below ground: 1,668
  • Finished area above ground: 1,668

Heating & Cooling

  • Heating features: Radiator,Wood Stove,Other,Coal,Wood
  • Cooling features: Window Unit(s),Ceiling Fan(s),Electric

Interior Area

  • Total structure area: 3,336
  • Total interior livable area: 3,336 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Office

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 0110012252
  • Zoning: R
  • Special condition: Standard
  • Exclusions: All Major Appliances,All Window Ac Units,Starlink

Features

  • Levels: Three
  • Stories: 3
  • Pool features: Community
  • Patio & porch: Patio,Porch
  • Exterior features: Rain Gutters,Sidewalks,Street Lights
  • Fencing: Chain Link
  • Has view: Yes
  • View description: Mountain(s),Street,Trees/Woods

Lot

  • Lot size: 0.45 Acres
  • Features: Rural,SideYard(s)

Parking

  • Total spaces: 8
  • Parking features: Storage,Covered,Garage Faces Front,Garage Door Opener,Inside Entrance,Oversized,Asphalt,Private,Attached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 6

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Landslide
Lightning
Strong Wind

FEMA Declared Disasters Across Maryland Counties

Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,592$19,104
Home Insurance *$220$2,640
Property Taxes $275$3,300
Electricity $425$5,100
Total$2,512$30,144
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$86,125/yr
40% on housing$75,360/yr
45% on housing$66,986/yr

Maryland FAIR Plan Programs

Maryland Joint Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 678Commercial: 44
Total Premiums$854,000
Total Exposure$326.56M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.8%
8.8%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.4%
-1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$94This listing

vs Other Active Listings

Avg $/sqft

ZIP 21539$25
Allegany County$80

vs Homes Sold Last Month

Median $/sqft

ZIP 21539—
Allegany County$110

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-16Listed for sale$315,000

For Sale by Agent

AgentNadine Beechie
BrokerageColdwell Banker Premier

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