17 River St, Owls Head, NY 12969 Property Records

Franklin County and Bellmont Town property record for 17 River St, Owls Head, NY 12969

Property Summary

Property Type	Seasonal / Vacation Home
Details	1 bd · 1 ba · 448 sqft · built 1908
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on Record
Last Sale	$55,000 (May 2020)
Tax Bill	$1,779 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage May 2020 Sale & Mortgage + 1 more
APN	`1-086-01.00`

Property Details

APN / Parcel Number

Primary APN	`1-086-01.00`
Alternative APNs	`240020207600020070000000` `162400 202.76-2-7`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	448 sqft Living Area
1st Floor Area	448 sqft

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Architectural Style	Cottage
Exterior Material	Aluminum/Vinyl
Lot Area	2,178 sqft (0.05 acres)
Lot Width	20 ft Width
View / Lot	Waterfront / Beach
Porch	Porch
Porch Area	96 sqft
Boat House	448 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	1-086-01.00
Street Address	17 RIVER ST
City	OWLS HEAD
State	NY
Zip	12969
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Block	2
Legal Lot Number	7.000
Jurisdiction	FRANKLIN NY
Township / Civil Division	BELLMONT
Census Block Group	2
Census Block	2061
Census Tract	950601

Owner

Source: Franklin County and Bellmont Town records, as of October 13, 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	PO BOX 422, PERU, NY 12972-0422
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2021	Deed, Transfer · Stand-Alone First Mortgage COMMUNITY BANK NA
May 27, 2020	Warranty Deed, Transfer · Conventional with PMI RANDY S WOOD
Jun 26, 2017	Warranty Deed, Transfer RESOLUTE ABSTRACT CORPORATION, RESOLUTE ABS CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2020 · Amount on Record
Deed Sale	May 27, 2020 · Amount on Record
Prior Sale	Jun 26, 2017 · Amount on Record
Deed Document Number	20202048
Record Updated	Oct 29, 2026

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN NY
Recording Date	Dec 20, 2021
Property Address	17 RIVER ST, OWLS HEAD, NY 12969
Document Number	0000006921
Instrument Date	Dec 6, 2021
Instrument	2021-6921
Transaction Type	Transfer
Record Updated	Jan 11, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Relationship	Tenants by the Entirety
Address	PO BOX 422, PERU, NY 12972-0422

Mortgage

Document Number	0000006922
Date	Dec 20, 2021
Instrument	2021-6922

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN NY
Recording Date	May 27, 2020
Property Address	17 RIVER ST, OWLS HEAD, NY 12969
Document Number	0000002048
Instrument Date	Mar 27, 2020
Instrument	2048
Transaction Type	Transfer
Record Updated	Jul 20, 2020
Title Company	ALL SEASONS TITLE AGENCY, ALL SEASONS TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 542 SARANAC LAKE NY 129830542, SARANAC LAKE, NY 12983-0542

Mortgage

Document Number	20202049
Date	May 27, 2020
Instrument	20202049

Lender

Name	RANDY S WOOD
Address	1167 COUNTY ROUTE 25, LOON LAKE, NY 12989
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	12 Months
Due	May 26, 2021

Interest

Rate	8.5%

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN NY
Recording Date	Jun 26, 2017
Property Address	17 RIVER ST, OWLS HEAD, NY 12969
Document Number	0000002884
Instrument Date	Jun 20, 2017
Instrument	2884
Transaction Type	Transfer
Record Updated	Jul 25, 2017
Title Company	RESOLUTE ABSTRACT CORPORATION, RESOLUTE ABS CORP

Transaction

Amount	Amount Recorded
Tax	$130.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1167 COUNTY ROUTE 25 MALONE NY 12953, MALONE, NY 12953

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,779.00 (+12.31%)
2025	$1,584.00 (-12.49%)	$57,300 (-) Land $24,000 Building $33,300	$84,889 (+18.52%) Land $35,556 Building $49,333
2023		$57,300 (-) Land $24,000 Building $33,300	$71,625 (+10.62%) Land $30,000 Building $41,625
2022		$57,300 Land $24,000 Building $33,300	$64,746 Land $27,119 Building $37,627
2021	$1,810.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force

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

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

Wildfire Risk	Low lower than 94% of the US · lower than 93% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
SLICFiber Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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