184 Flat Rock Rd, Malone, NY 12953 Property Records

Franklin County and Westville Town property record for 184 Flat Rock Rd, Malone, NY 12953

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,048 sqft · built 2016
Lot Size	8.9 acres (387,684 sqft)
Owner	2 Individual Names on Record
Last Sale	$13,800 (May 2007)
Tax Bill	$4,386 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Aug 2018 Mortgage
APN	`165600 69.-7-14.170`

Property Details

APN / Parcel Number

Primary APN	`165600 69.-7-14.170`
Alternative APN	`560006900000070141700000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,048 sqft Living Area
1st Floor Area	2,048 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	387,684 sqft (8.9 acres)
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	608 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	184 FLAT ROCK RD
City	MALONE
State	NY
Zip	12953-2604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	7
Legal Lot Number	14.170
Jurisdiction	FRANKLIN NY
Township / Civil Division	WESTVILLE
Census Block Group	1
Census Block	1058
Census Tract	950200

Owner

Source: Franklin County and Westville 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	184 FLAT ROCK RD, MALONE, NY 12953-2604
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2021	Deed of Trust, Mortgage · FHA Mortgage COMMUNITY BANK NA
Aug 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage NORTH FRANKLIN FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2007 · Amount on Record
Deed Sale	May 10, 2007 · Amount on Record
Deed Book / Page	947 / 58
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN NY
Property Address	184 FLAT ROCK RD, MALONE, NY 12953-2604
Transaction Type	Mortgage
Record Updated	Mar 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20211004
Date	Feb 26, 2021
Instrument	2021-1004

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Mar 1, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN NY
Property Address	184 FLAT ROCK RD, MALONE, NY 12953-2604
Document Number	0000003651
Instrument Date	Aug 3, 2018
Transaction Type	Mortgage
Record Updated	Aug 29, 2018
Title Company	CENTENNIAL ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	184 FLAT ROCK RD MALONE NY 129532604, MALONE, NY 12953-2604

Mortgage

Document Number	0000003651
Date	Aug 8, 2018
Instrument	3651

Lender

Name	NORTH FRANKLIN FCU
Address	MALONE, NY 12953-1913

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 7, 2028

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,386.00 (+10.01%) Veteran's exemption
2025	$3,987.00 (+176.88%)	$151,800 (-) Land $20,000 Building $131,800	$237,188 (+14.06%) Land $31,250 Building $205,938
2023		$151,800 (-) Land $20,000 Building $131,800	$207,945 (+18.49%) Land $27,397 Building $180,548
2022		$151,800 Land $20,000 Building $131,800	$175,491 Land $23,121 Building $152,370
2021	$1,440.00

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1999)
Most Recent Claim	Jan 1999 · river or lake 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.

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	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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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