260 Flat Rock Rd, Malone, NY 12953 Property Records

Franklin County and Westville Town property record for 260 Flat Rock Rd, Malone, NY 12953

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,456 sqft · built 1990
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Last Sale	$70,500 (Nov 2009)
Tax Bill	$2,436 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit May 2022 Line of Credit + 1 more
APN	`1-002-05.00`

Property Details

APN / Parcel Number

Primary APN	`1-002-05.00`
Alternative APNs	`560006900000070143000000` `165600 69.-7-14.300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,456 sqft Living Area
1st Floor Area	1,456 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	87,120 sqft (2 acres)
Garage Type	Detached
Garage Area	468 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	100 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	1-002-05.00
Street Address	260 FLAT ROCK RD
City	MALONE
State	NY
Zip	12953-2606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOREST RE CORP FOREST RE FOREST RE CORP FLAT ROCK
Legal Block	7
Legal Lot Number	14.300
Jurisdiction	FRANKLIN NY
Township / Civil Division	WESTVILLE
Census Block Group	1
Census Block	1052
Census Tract	950200

Owner

260 Flat Rock Rd is owned and occupied by an individual who bought it in November 2009.

Source: Franklin County and Westville Town records, as of October 15, 2026

Owner of Record	Individual Name on File
Mailing Address	260 FLAT ROCK RD, MALONE, NY 12953-2606
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2026	Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION
May 13, 2022	Deed of Trust, Mortgage · Line of Credit SEACOMM FCU
Aug 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage SEACOMM FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2009 · Amount on File
Deed Sale	Nov 20, 2009 · Amount on File
Prior Sale	May 27, 2005 · Amount on File
Deed Book / Page	2009 / 4314
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN NY
Recording Date	Sep 29, 2026
Property Address	260 FLAT ROCK RD, MALONE, NY 12953-2606
Document Number	0000005428
Instrument Date	Sep 23, 2026
Instrument	20265428
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	260 FLAT ROCK RD, MALONE, NY 12953-2606
Investor	Possibly a Property Investor

Mortgage

Document Number	0000005428,
Date	Sep 29, 2026
Instrument	20265428

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN NY
Property Address	260 FLAT ROCK RD, MALONE, NY 12953-2606
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002422
Date	May 13, 2022
Instrument	2022-2422

Lender

Name	SEACOMM FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN NY
Property Address	260 FLAT ROCK RD, MALONE, NY 12953-2606
Document Number	0020203188
Instrument Date	Aug 4, 2020
Transaction Type	Mortgage
Record Updated	Sep 23, 2020
Title Company	ETNA ABSTRACT, ETNA ABS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	260 FLAT ROCK RD MALONE NY 129532606, MALONE, NY 12953-2606

Mortgage

Document Number	0020203188
Date	Aug 10, 2020
Instrument	20203188

Lender

Name	SEACOMM FCU
Type	Credit Union
Address	MALONE, NY 12953

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 9, 2030

Interest

Rate	2.9%

Tax Assessment & Valuation

The 2026 property tax bill for 260 Flat Rock Rd was $2,436 with a homeowner's exemption, 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	$2,436.00 (+9.48%) Homeowner's exemption
2025	$2,225.00	$79,900 Land $17,000 Building $62,900	$124,844 Land $26,563 Building $98,281
2023		$79,900 (-) Land $17,000 Building $62,900	$109,452 (+18.49%) Land $23,288 Building $86,164
2022		$79,900 Land $17,000 Building $62,900	$92,370 Land $19,653 Building $72,717
2021	$910.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 260 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 260 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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