Franklin County and Tupper Lake Town property record for 191 State Rte 3, Tupper Lake, NY 12986
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,434 sqft · built 1977 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $105,000 (May 1997) |
| Tax Bill | $5,230 (2026) |
| Deeds & Mortgages | Jun 2026 Mortgage Dec 2025 Mortgage + 1 more |
| APN | 162089 479.-1-8.300 |
| Primary APN | 162089 479.-1-8.300 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,434 sqft Living Area |
| 1st Floor Area | 941 sqft |
| 2nd Floor Area | 325 sqft |
| Upper Floors Area | 364 sqft |
| Attic | Attic |
| Attic Area | 168 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Contemporary |
| Exterior Material | Wood |
| Lot Area | 217,800 sqft (5 acres) |
| Garage Type | Mixed |
| Garage Area | 1,182 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 413 sqft |
| Shed | 1 Shed |
| Heating Fuel | Electric |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Account Number | 245500 |
|---|---|
| Street Address | 191 STATE ROUTE 3 |
| City | TUPPER LAKE |
| State | NY |
| Zip | 12986-7703 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BLOCK22 GL67 LOT |
| Legal Block | 1 |
| Legal Lot Number | 8.300 |
| Jurisdiction | FRANKLIN NY |
| Township / Civil Division | TUPPER LAKE |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 951100 |
191 State Rte 3 is owned and occupied by two individuals who bought it in May 1997.
Source: Franklin County and Tupper Lake Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 191 STATE ROUTE 3, TUPPER LAKE, NY 12986-7703 |
| 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 |
|---|---|
| Jun 17, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 10, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 10, 2018 | Grant Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 5, 1997 · Amount on File |
| Deed Sale | May 5, 1997 · Amount on File |
| Deed Book / Page | 673 / 141 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN NY |
| Recording Date | Jun 17, 2026 |
| Property Address | 191 STATE ROUTE 3, TUPPER LAKE, NY 12986-7703 |
| Document Number | 0000003773 |
| Instrument Date | Jun 10, 2026 |
| Instrument | 20263773 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | ROCKET TITLE, ROCKET CLOSE |
| Name | Verified Name |
|---|---|
| Address | 191 STATE ROUTE 3, TUPPER LAKE, NY 12986-7703 |
| Document Number | 0000003773, |
|---|---|
| Date | Jun 17, 2026 |
| Instrument | 20263773 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 325 Months |
| Due | Jul 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN NY |
| Property Address | 191 STATE ROUTE 3, TUPPER LAKE, NY 12986-7703 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2025 |
| Title Company | INDEPENDENT TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000010395 |
|---|---|
| Date | Dec 10, 2025 |
| Instrument | 2025-10395 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FRANKLIN NY |
| Recording Date | Dec 10, 2018 |
| Property Address | 191 STATE ROUTE 3, TUPPER LAKE, NY 12986-7703 |
| Document Number | 0000005752 |
| Instrument Date | Dec 6, 2018 |
| Instrument | 5752 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2019 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 191 STATE ROUTE 3 TUPPER LAKE NY 129867703, TUPPER LAKE, NY 12986-7703 |
The 2026 property tax bill for 191 State Rte 3 was $5,230, up 6% from the year before.
Source: Franklin County and Tupper Lake Town assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Franklin County |
| County Subdivision | Tupper Lake Town |
| Unified School District | Tupper Lake Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,230.00 (+5.98%) | ||
| 2025 | $4,935.00 | $180,600 Land $27,000 Building $153,600 | $301,000 Land $45,000 Building $256,000 |
| 2023 | $180,600 (-) Land $27,000 Building $153,600 | $258,000 (+15.71%) Land $38,571 Building $219,429 | |
| 2022 | $180,600 Land $27,000 Building $153,600 | $222,963 Land $33,333 Building $189,630 | |
| 2021 | $1,696.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 191 State Rte 3; there have been 2 flood claims nearby since 1978.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Claims | 2 (1978–1979) |
| Most Recent Claim | May 1979 · rainfall accumulation |
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 191 State Rte 3 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 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: Verizon.
5G and 4G LTE (outdoors only)
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