255 Flat Rock Rd, Malone, NY 12953 Property Records

Franklin County and Westville Town property record for 255 Flat Rock Rd, Malone, NY 12953

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 900 sqft · built 1946
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Last Sale	$117,000 (Jul 2026)
Tax Bill	$1,424 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Aug 2020 Sale & Mortgage
APN	`1-001-01.00`

Property Details

APN / Parcel Number

Primary APN	`1-001-01.00`
Alternative APNs	`560006900000060070000000` `165600 69.-6-7`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	900 sqft Living Area
1st Floor Area	600 sqft
Upper Floors Area	300 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	87,120 sqft (2 acres)

Exterior Amenities

Porch	Slab
Porch Area	304 sqft
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	1-001-01.00
Street Address	255 FLAT ROCK RD
City	MALONE
State	NY
Zip	12953-2608
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GOLDEN FLAT ROCK YOUNG GOLDEN
Legal Block	6
Legal Lot Number	7.000
Jurisdiction	FRANKLIN NY
Township / Civil Division	WESTVILLE
Census Block Group	1
Census Block	1050
Census Tract	950200

Owner

255 Flat Rock Rd is owned by an individual who bought it in July 2026.

Source: Franklin County and Westville Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	1093 STATE ROUTE 11, BRUSHTON, NY 12916-4310
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Warranty Deed, Transfer · Conventional Mortgage ABSOLUTE MORTGAGE CORPORATION
Aug 21, 2020	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2026 · Amount on File
Deed Sale	Jul 1, 2026 · Amount on File
Prior Sale	Aug 21, 2020 · Amount on File
Deed Document Number	20263994
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN NY
Recording Date	Jul 1, 2026
Property Address	255 FLAT ROCK RD, MALONE, NY 12953-2608
Document Number	0000003994
Instrument Date	Jun 26, 2026
Instrument	20263994
Transaction Type	Transfer
Record Updated	Jul 13, 2026
Title Company	CENTENNIAL ABSTRACT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$47,268.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1093 STATE ROUTE 11, BRUSHTON, NY 12916-4310

Mortgage

Document Number	0000003995,
Date	Jul 1, 2026
Instrument	20263995

Lender

Name	ABSOLUTE MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN NY
Recording Date	Aug 21, 2020
Property Address	255 UPPER FLAT ROCK RD, MALONE, NY 12953
Document Number	0020203398
Instrument Date	Aug 10, 2020
Instrument	20203398
Transaction Type	Transfer
Record Updated	Sep 23, 2020
Title Company	CENTENNIAL ABSTRACT, CENTENNIAL ABS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	456 COUNTY ROUTE 25 MALONE NY 129535920, MALONE, NY 12953-5920

Mortgage

Document Number	3399
Date	Aug 21, 2020
Instrument	3399

Lender

Name	CROSSCOUNTRY MTG
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 20, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 255 Flat Rock Rd was $1,424, up 9.5% from the year before.

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	$1,424.00 (+9.45%)
2025	$1,301.00	$46,700 Land $17,000 Building $29,700	$72,969 Land $26,563 Building $46,406
2023		$46,700 (-) Land $17,000 Building $29,700	$63,973 (+18.49%) Land $23,288 Building $40,685
2022		$46,700 Land $17,000 Building $29,700	$53,988 Land $19,653 Building $34,335
2021	$362.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA has no flood map on file for 255 Flat Rock Rd; there have been 1 flood claim nearby since 1999.

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

Wildfire risk around 255 Flat Rock 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	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 15 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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