49 Elm St, Malone, NY 12953 Property Records

Franklin County and Malone Town property record for 49 Elm St, Malone, NY 12953

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,371 sqft · built 1880
Lot Size	0.37 acres (16,117 sqft)
Owner	Individual Name on Record
Last Sale	$122,000 (Feb 2022)
Tax Bill	$6,185 (2026)
Deeds & Mortgages	Feb 2025 Mortgage Feb 2022 Sale & Mortgage
APN	`2.-052-13`

Property Details

APN / Parcel Number

Primary APN	`2.-052-13`
Alternative APNs	`480111202500030010000000` `164801 112.25-3-1`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,371 sqft Living Area
1st Floor Area	1,872 sqft
2nd Floor Area	1,499 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	16,117 sqft (0.37 acres)
Lot Width	116 ft Width
Garage Type	Detached
Garage Area	414 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	367 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2.-052-13
Street Address	49 ELM ST
City	MALONE
State	NY
Zip	12953-1506
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Description	SECB BLOCK203 LOT6
Legal Block	3
Legal Lot Number	1.000
Jurisdiction	FRANKLIN NY
Township / Civil Division	MALONE
Census Block Group	2
Census Block	2023
Census Tract	950501

Historic Designation

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

Historic District	Within the Malone Downtown Historic District listed 2021 · 71 contributing resources · NRIS 100006217

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 September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	49 ELM ST, MALONE, NY 12953-1506
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2025	Deed of Trust, Mortgage · ARM DANNEMORA FEDERAL CREDIT UNION
Feb 17, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage NORTH COUNTRY SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 17, 2022 · Amount on Record
Deed Sale	Feb 17, 2022 · Amount on Record
Deed Document Number	2022858
Prior Transfer Date	Aug 19, 2015
Prior Transfer Doc	0000004017
Record Updated	Oct 29, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN NY
Property Address	49 ELM ST, MALONE, NY 12953-1506
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001963
Date	Feb 14, 2025
Instrument	2025-1963

Lender

Name	DANNEMORA FEDERAL CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Feb 15, 2035
Index	Other

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN NY
Recording Date	Feb 17, 2022
Property Address	49 ELM ST, MALONE, NY 12953-1506
Document Number	0000000858
Instrument Date	Feb 17, 2022
Instrument	2022-858
Transaction Type	Transfer
Record Updated	Mar 8, 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
Address	55 CHURCH ST, CHAMPLAIN, NY 12919-5202

Mortgage

Document Number	0000000859
Date	Feb 17, 2022
Instrument	2022-859

Lender

Name	NORTH COUNTRY SAVINGS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.08%
Type Change Date	Mar 1, 2023
Max Rate At Change	3.56%
Index	Other

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
2026	$6,185.00 (-1.17%)
2025	$6,258.00	$113,200 (-) Land $12,000 Building $101,200	$209,630 (+11.11%) Land $22,222 Building $187,408
2023		$113,200 Land $12,000 Building $101,200	$188,667 Land $20,000 Building $168,667

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

FEMA Flood Zone	Not on file

Values are read at the parcel center point; 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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