16 Prospect St, Malone, NY 12953 Property Records

Franklin County and Malone Town property record for 16 Prospect St, Malone, NY 12953

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,896 sqft · built 1900
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Jul 2022)
Tax Bill	$10,928 (2026)
Deeds & Mortgages	Jul 2022 Mortgage Jul 2022 Sale + 1 more
APN	`164801 98.74-2-5`

Property Details

APN / Parcel Number

Primary APN	`164801 98.74-2-5`
Alternative APNs	`480109807400020050000000` `2.-109-03`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,896 sqft Living Area
1st Floor Area	1,432 sqft
2nd Floor Area	832 sqft
Upper Floors Area	216 sqft
Attic	Attic
Attic Area	416 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	14,375 sqft (0.33 acres)
Lot Width	93 ft Width
Garage Type	Mixed
Garage Area	744 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	208 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	2.-109-03
Street Address	16 PROSPECT ST
City	MALONE
State	NY
Zip	12953-1312
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Description	SECB BLOCK235 LOT37
Legal Block	2
Legal Lot Number	5.000
Jurisdiction	FRANKLIN NY
Township / Civil Division	MALONE
Census Block Group	2
Census Block	2010
Census Tract	951400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Malone Residential Historic District listed 2025 · 246 contributing resources · NRIS 100011536

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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	Individual Name on Record
Mailing Address	16 PROSPECT ST, MALONE, NY 12953-1312
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2022	Deed of Trust, Mortgage · ARM ARLINGTON CMNTY FCU
Jul 27, 2022	Warranty Deed, Transfer
Aug 27, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage NORTH COUNTRY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2022 · Amount on Record
Deed Sale	Jul 27, 2022 · Amount on Record
Prior Sale	Aug 27, 2020 · Amount on Record
Deed Document Number	20224009
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN NY
Property Address	16 PROSPECT ST, MALONE, NY 12953-1312
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	EQUITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004010
Date	Jul 26, 2022
Instrument	2022-4010

Lender

Name	ARLINGTON CMNTY FCU

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.13%
Type Change Date	Jul 1, 2037
Index	1-Year CMT

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN NY
Recording Date	Jul 27, 2022
Property Address	16 PROSPECT ST, MALONE, NY 12953-1312
Document Number	0000004009
Instrument Date	Jun 15, 2022
Instrument	2022-4009
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2511 SWIFT RUN ST, VIENNA, VA 22180-6930

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN NY
Recording Date	Aug 27, 2020
Property Address	16 PROSPECT ST, MALONE, NY 12953-1312
Document Number	0000003468
Instrument Date	Aug 7, 2020
Instrument	2020-3468
Transaction Type	Transfer
Record Updated	Apr 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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
Address	1981 SW 56TH AVE, PLANTATION, FL 33317-5937

Mortgage

Document Number	0000003469
Date	Aug 27, 2020
Instrument	2020-3469

Lender

Name	NORTH COUNTRY BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Franklin County and Malone Town assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	New York
County	Franklin County
County Subdivision	Malone Town
Municipality	Malone Village
Unified School District	Malone Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,928.00 (-1.16%)
2025	$11,056.00	$200,000 (-) Land $15,000 Building $185,000	$370,370 (+11.11%) Land $27,778 Building $342,592
2023		$200,000 Land $15,000 Building $185,000	$333,333 Land $25,000 Building $308,333

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 284 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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