178 William St, Malone, NY 12953 Property Records

Franklin County and Malone Town property record for 178 William St, Malone, NY 12953

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,943 sqft · built 1890
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$65,000 (Nov 2022)
Tax Bill	$1,366 (2026)
Deeds & Mortgages	Nov 2022 Mortgage Nov 2021 Line of Credit
APN	`2.-159-14`

Property Details

APN / Parcel Number

Primary APN	`2.-159-14`
Alternative APNs	`480111204400020100000000` `164801 112.44-2-10`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,943 sqft Living Area
1st Floor Area	1,110 sqft
Upper Floors Area	833 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Traditional
Exterior Material	Composition/Composite
Foundation Type	Raised
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	99 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	343 sqft
Canopy	32 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	2.-159-14
Street Address	178 WILLIAM ST
City	MALONE
State	NY
Zip	12953-2139
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Description	SECC BLOCK318 LOT40 &
Legal Block	2
Legal Lot Number	10.000
Jurisdiction	FRANKLIN NY
Township / Civil Division	MALONE
Census Block Group	4
Census Block	4000
Census Tract	951400

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	178 WILLIAM ST, MALONE, NY 12953-2139
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2022	Deed of Trust, Mortgage · ARM NORTH COUNTRY SAVINGS BANK
Nov 19, 2021	Deed of Trust, Mortgage · Line of Credit KEY BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2022 · Amount on Record
Deed Sale	Nov 3, 2022 · Amount on Record
Prior Sale	Jul 2, 2007 · Amount on Record
Deed Document Number	20226051
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN NY
Property Address	178 WILLIAM ST, MALONE, NY 12953-2139
Transaction Type	Mortgage
Record Updated	Nov 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006052
Date	Nov 3, 2022
Instrument	2022-6052

Lender

Name	NORTH COUNTRY SAVINGS BANK

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Dec 1, 2025
Index	Other

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN NY
Property Address	178 WILLIAM ST, MALONE, NY 12953-2139
Transaction Type	Mortgage
Record Updated	Dec 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20216337
Date	Nov 19, 2021
Instrument	2021-6337

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$1,366.00 (-1.16%)
2025	$1,382.00	$25,000 (-) Land $6,000 Building $19,000	$46,296 (+11.11%) Land $11,111 Building $35,185
2023		$25,000 Land $6,000 Building $19,000	$41,667 Land $10,000 Building $31,667

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	6 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 95% of the US · lower than 94% 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.

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 95 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
Verizon Fixed Wireless	300 / 20

May also be available: Westelcom Networks.

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