Franklin County and Malone Town property record for 10 Harding St, Malone, NY 12953
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,464 sqft · built 1920 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,574 (2026) |
| Deeds & Mortgages | Mar 2024 Refinance Mar 2017 Mortgage |
| APN | 2.-075-15 |
| Primary APN | 2.-075-15 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,464 sqft Living Area |
| 1st Floor Area | 797 sqft |
| 2nd Floor Area | 667 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 147 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 273 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
|---|---|
| Porch | Slab |
| Porch Area | 453 sqft |
| Shed | 1 Shed |
| Shed Area | 54 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 2.-075-15 |
|---|---|
| Street Address | 10 HARDING ST |
| City | MALONE |
| State | NY |
| Zip | 12953-2248 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01 - NOT Z |
| Legal Description | SECD BLOCK424 LOT6 & PART 8 |
| Legal Block | 2 |
| Legal Lot Number | 2.000 |
| Jurisdiction | FRANKLIN NY |
| Township / Civil Division | MALONE |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 950501 |
Source: Franklin County and Malone Town records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 10 HARDING ST, MALONE, NY 12953-2248 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 20, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY BANK NA |
| Mar 1, 2017 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN NY |
| Property Address | 10 HARDING ST, MALONE, NY 12953-2248 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2024 |
| Title Company | MISC COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000001462 |
|---|---|
| Date | Mar 20, 2024 |
| Instrument | 2024-1462 |
| Name | COMMUNITY BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Apr 1, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN NY |
| Property Address | 10 HARDING ST, MALONE, NY 12953-2248 |
| Document Number | 0000001546 |
| Instrument Date | Mar 1, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2018 |
| Name | Verified Name |
|---|---|
| Address | 10 HARDING ST MALONE NY 129532248, MALONE, NY 12953-2248 |
| Document Number | 0000001546 |
|---|---|
| Date | Apr 4, 2017 |
| Instrument | 1546 |
| Name | COMMUNITY BK |
|---|---|
| Type | Bank |
| Address | OLEAN, NY 14760 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Apr 3, 2022 |
Source: Franklin County and Malone Town assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Franklin County |
| County Subdivision | Malone Town |
| Municipality | Malone Village |
| Unified School District | Malone Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,574.00 (-1.15%) Homeowner's exemption | ||
| 2025 | $2,604.00 | $47,100 (-) Land $7,400 Building $39,700 | $87,222 (+11.11%) Land $13,704 Building $73,518 |
| 2023 | $47,100 Land $7,400 Building $39,700 | $78,500 Land $12,333 Building $66,167 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Claims | 1 (1998) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 1998 · Severe Storms And Flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 91% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | MALONE V serves 13,232 people · EPA ID NY1600008 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2024 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 402 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| SLICFiber Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Westelcom Networks.
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