Rensselaer County and Schaghticoke Town property record for 186 Malm Rd, Melrose, NY 12121
| Property Type | Rural Home |
|---|---|
| Details | 2 bd · 1 ba · 1,519 sqft · built 1977 |
| Lot Size | 14.6 acres (639,025 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,607 (2026) |
| Deeds & Mortgages | Mar 2022 Refinance Aug 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 384289 41.-1-70.11 |
| Primary APN | 384289 41.-1-70.11 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,519 sqft Living Area |
| 1st Floor Area | 1,519 sqft |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 639,025 sqft (14.6 acres) |
| Lot Width | 777 ft Width |
| Garage Type | Basement |
| Porch | Slab |
| Porch Area | 285 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 315J155727 |
|---|---|
| Street Address | 186 MALM RD |
| City | MELROSE |
| State | NY |
| Zip | 12121-2102 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | RA |
| Legal Description | UNRECORDED SURVEY |
| Legal Block | 1 |
| Legal Lot Number | 70.011 |
| Jurisdiction | RENSSELAER NY |
| Township / Civil Division | SCHAGHTICOKE |
| Census Block Group | 2 |
| Census Block | 2075 |
| Census Tract | 51901 |
186 Malm Rd, a rural home, is owned and occupied by two individuals.
Source: Rensselaer County and Schaghticoke Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 186 MALM RD, MELROSE, NY 12121-2102 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 1, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance STATE EMPLOYEES FCU |
| Aug 25, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance STATE EMPLOYEES FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RENSSELAER NY |
| Property Address | 186 MALM RD, MELROSE, NY 12121-2102 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0099670200 |
|---|---|
| Date | Mar 1, 2022 |
| Book Page | 9967/200 |
| Instrument | 2022-606777 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RENSSELAER NY |
| Property Address | 186 MALM RD, MELROSE, NY 12121-2102 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2021 |
| Title Company | MISC COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0097110045 |
|---|---|
| Date | Aug 25, 2021 |
| Book Page | 9711/45 |
| Instrument | 2021-594952 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
The 2026 property tax bill for 186 Malm Rd was $5,607 with a homeowner's exemption, up 2.7% from the year before.
Source: Rensselaer County and Schaghticoke Town assessment roll, as of May 15, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Rensselaer County |
| County Subdivision | Schaghticoke Town |
| Unified School District | Hoosic Valley Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,607.00 (+2.73%) Homeowner's exemption | ||
| 2025 | $5,458.00 | $44,400 Land $17,500 Building $26,900 | $311,798 Land $122,893 Building $188,905 |
| 2023 | $44,400 Land $17,500 Building $26,900 | $276,636 Land $109,034 Building $167,602 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 186 Malm Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 12, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 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 risk around 186 Malm Rd is low, with a 0.01% annual chance of 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Hudson Valley Wireless Fixed Wireless | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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