326 River Rd, Malone, NY 12953 Property Records

Franklin County and Malone Town property record for 326 River Rd, Malone, NY 12953

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 936 sqft · built 2002
Lot Size	2.08 acres (90,605 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (Aug 2022)
Tax Bill	$5,772 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Oct 2020 Mortgage + 1 more
APN	`164889 113.-3-20`

Property Details

APN / Parcel Number

Primary APN	`164889 113.-3-20`
Alternative APNs	`488911300000030200000000` `1.-114-15`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	936 sqft Living Area
1st Floor Area	936 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Lot Area	90,605 sqft (2.08 acres)
Garage Type	Basement
Porch	Porch
Porch Area	156 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1.-114-15
Street Address	326 RIVER RD
City	MALONE
State	NY
Zip	12953-4012
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Description	SEC6 BLOCK52 LOT12
Legal Block	3
Legal Lot Number	20.000
Jurisdiction	FRANKLIN NY
Township / Civil Division	MALONE
Census Block Group	1
Census Block	1056
Census Tract	951400

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	326 RIVER RD, MALONE, NY 12953-4012
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage PARAGON HOME LOANS INC
Oct 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
May 19, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2022 · Amount on Record
Deed Sale	Aug 11, 2022 · Amount on Record
Prior Sale	Nov 20, 2008 · Amount on Record
Deed Document Number	20224280
Prior Transfer Date	May 15, 2017
Prior Transfer Doc	0000002238
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN NY
Recording Date	Aug 11, 2022
Property Address	326 RIVER RD, MALONE, NY 12953-4012
Document Number	0000004280
Instrument Date	Aug 11, 2022
Instrument	2022-4280
Transaction Type	Transfer
Record Updated	Aug 30, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	41 2ND ST, MALONE, NY 12953-1302

Mortgage

Document Number	0000004281
Date	Aug 11, 2022
Instrument	2022-4281

Lender

Name	PARAGON HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN NY
Property Address	326 RIVER RD, MALONE, NY 12953-4012
Document Number	0000004862
Instrument Date	Oct 22, 2020
Transaction Type	Mortgage
Record Updated	Dec 3, 2020
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 RIVER RD MALONE NY 129534012, MALONE, NY 12953-4012

Mortgage

Document Number	0000004862
Date	Nov 12, 2020
Instrument	4862

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 11, 2035

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN NY
Recording Date	May 19, 2017
Property Address	326 RIVER RD, MALONE, NY 12953-4012
Document Number	0000002238
Instrument Date	May 15, 2017
Instrument	2017-2238
Transaction Type	Transfer
Record Updated	Nov 19, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 RIVER RD, MALONE, NY 12953-4012

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
Unified School District	Malone Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,772.00 (+276.76%)	$150,000 (-) Land $13,700 Building $136,300	$277,778 (+11.11%) Land $25,370 Building $252,408
2023		$150,000 (+5%) Land $13,700 Building $136,300	$250,000 (+71.25%) Land $22,833 Building $227,167
2022		$100,000 Land $13,700 Building $86,300	$145,985 Land $20,000 Building $125,985
2021	$1,532.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 91% of New York
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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