32 Clay St, Malone, NY 12953 Property Records

Franklin County and Malone Town property record for 32 Clay St, Malone, NY 12953

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,232 sqft · built 1955
Lot Size	1.07 acres (46,609 sqft)
Owner	2 Individual Names on Record
Last Sale	$92,700 (Jan 2002)
Tax Bill	$5,025 (2025)
Deeds & Mortgages	May 2023 Refinance Feb 2021 Mortgage + 1 more
APN	`2.-027-02`

Property Details

APN / Parcel Number

Primary APN	`2.-027-02`
Alternative APNs	`480111203400020410000000` `164801 112.34-2-41`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,232 sqft Total Area
1st Floor Area	2,232 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	46,609 sqft (1.07 acres)
Lot Width	131 ft Width
Garage Type	Detached
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Vinyl Pool
Porch	Slab
Porch Area	509 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	2.-027-02
Street Address	32 CLAY ST
City	MALONE
State	NY
Zip	12953-1930
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	01 - NOT Z
Legal Description	SECC BLOCK310 LOT39A
Legal Block	2
Legal Lot Number	41.000
Jurisdiction	FRANKLIN NY
Township / Civil Division	MALONE
Census Block Group	3
Census Block	3001
Census Tract	951400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Malone Residential Historic District listed 2025 · 246 contributing resources · NRIS 100011536

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Franklin County and Malone Town records, as of April 28, 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	32 CLAY ST, MALONE, NY 12953-1930
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance NBT BANK NATIONAL ASSOCIATION
Feb 3, 2021	Deed of Trust, Mortgage · FHA Mortgage NBT BANK NATIONAL ASSOCIATION
Nov 3, 2016	Deed of Trust, Mortgage · Conventional Mortgage NBT BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2002 · Amount on Record
Deed Sale	Jan 17, 2002 · Amount on Record
Deed Book / Page	793 / 75
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN NY
Property Address	32 CLAY ST, MALONE, NY 12953-1930
Transaction Type	Mortgage
Record Updated	Jun 20, 2023
Title Company	MISC COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002338
Date	May 31, 2023
Instrument	2023-2338

Lender

Name	NBT BANK NATIONAL ASSOCIATION
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN NY
Property Address	32 CLAY ST, MALONE, NY 12953-1930
Transaction Type	Mortgage
Record Updated	Feb 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021439
Date	Feb 3, 2021
Instrument	2021-439

Lender

Name	NBT BANK NATIONAL ASSOCIATION
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

November 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN NY
Property Address	32 CLAY ST, MALONE, NY 12953-1930
Document Number	0000000155
Instrument Date	Nov 3, 2016
Transaction Type	Mortgage
Record Updated	Apr 3, 2020
Title Company	INDEPENDENT TITLE AGENCY, INDEPENDENT TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 CLAY ST MALONE NY 129531930, MALONE, NY 12953-1930

Mortgage

Document Number	0000000155
Date	Jan 10, 2017
Instrument	155

Lender

Name	NBT BK
Type	Bank
Address	MALONE, NY 12953

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,025.00	$90,900 (-) Land $12,500 Building $78,400	$168,333 (+11.11%) Land $23,148 Building $145,185
2023		$90,900 Land $12,500 Building $78,400	$151,500 Land $20,833 Building $130,667

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	7 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

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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MALONE V serves 13,232 people · EPA ID NY1600008
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 413 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: SLICFiber, Westelcom Networks.

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