32 Sprague St, Malone, NY 12953 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,336 sqft · built 1920
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on File
Tax Bill	$2,918 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Oct 2021 Refinance + 1 more
APN	`164801 98.67-4-1`

Property Details

APN / Parcel Number

Primary APN	`164801 98.67-4-1`
Alternative APNs	`480109806700040010000000` `2.-128-09`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,336 sqft Living Area
1st Floor Area	712 sqft
2nd Floor Area	624 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	165 ft deep x 90 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	14 sqft
Porch	Slab
Porch Area	263 sqft
Canopy	52 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2.-128-09
Street Address	32 SPRAGUE ST
City	MALONE
State	NY
Zip	12953-1433
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Description	SECB BLOCK237 LOT182
Legal Block	4
Legal Lot Number	1.000
Jurisdiction	FRANKLIN NY
Township / Civil Division	MALONE
Census Block Group	1
Census Block	1030
Census Tract	951400

Owner

32 Sprague St is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	32 SPRAGUE ST, MALONE, NY 12953-1433
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
Jun 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage NORTHERN FEDERAL CREDIT UNION
Oct 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Aug 31, 2017	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN NY
Recording Date	Jun 16, 2026
Property Address	32 SPRAGUE ST, MALONE, NY 12953-1433
Document Number	0000003757
Instrument Date	Jun 12, 2026
Instrument	20263757
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	BROWNELL ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 SPRAGUE ST, MALONE, NY 12953-1433

Mortgage

Document Number	0000003757,
Date	Jun 16, 2026
Instrument	20263757

Lender

Name	NORTHERN FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jul 1, 2031

Interest

Rate	6.36%
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN NY
Property Address	32 SPRAGUE ST, MALONE, NY 12953-1433
Transaction Type	Mortgage
Record Updated	Oct 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20215217
Date	Oct 1, 2021
Instrument	2021-5217

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN NY
Property Address	32 SPRAGUE ST, MALONE, NY 12953-1433
Document Number	0000004313
Instrument Date	Aug 31, 2017
Transaction Type	Mortgage
Record Updated	Oct 16, 2017
Title Company	STEWART TITLE, STEWART TITLE INSURANCE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1299 COUNTY ROUTE 22 NORTH BANGOR NY 129662813, NORTH BANGOR, NY 12966-2813

Mortgage

Document Number	0000004313
Date	Sep 8, 2017
Instrument	4313

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 7, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 32 Sprague St was $2,918, down 1.2% from the year before.

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
2026	$2,918.00 (-1.15%)
2025	$2,952.00	$53,400 Land $8,500 Building $44,900	$98,889 Land $15,741 Building $83,148
2023		$53,400 Land $8,500 Building $44,900	$89,000 Land $14,167 Building $74,833

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 32 Sprague St; there have been 1 flood claim nearby since 2024.

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	3 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Aug 2024 · Severe Storm And 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 32 Sprague St 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.

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 284 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
SLICFiber Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Westelcom Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

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