49 Spear Hill Rd, Lyon Mountain, NY 12955 Property Records

Franklin County and Bellmont Town property record for 49 Spear Hill Rd, Lyon Mountain, NY 12955

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,640 sqft · built 1900
Lot Size	2.92 acres (127,195 sqft)
Owner	Individual Name on File
Last Sale	$52,731 (May 2015)
Tax Bill	$2,292 (2026)
Deeds & Mortgages	May 2021 Sale Nov 2019 Sale & Mortgage
APN	`1-022-24.00`

Property Details

APN / Parcel Number

Primary APN	`1-022-24.00`
Alternative APNs	`240013200000020210000000` `162400 132.-2-21`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,640 sqft Living Area
1st Floor Area	1,280 sqft
Upper Floors Area	360 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	127,195 sqft (2.92 acres)
Garage Type	Detached
Garage Area	320 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	410 sqft
Shed	1 Shed
Shed Area	80 sqft
Canopy	260 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1-022-24.00
Street Address	49 SPEAR HILL RD
City	LYON MOUNTAIN
State	NY
Zip	12955-3108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH SPEAR ROAD SPEAR #374
Legal Block	2
Legal Lot Number	21.000
Jurisdiction	FRANKLIN NY
Township / Civil Division	BELLMONT
Census Block Group	1
Census Block	1042
Census Tract	950601

Owner

49 Spear Hill Rd is owned by an individual who bought it in May 2015.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 1643, PLATTSBURGH, NY 12901-0230
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
May 11, 2021	Warranty Deed, Transfer
Nov 22, 2019	Grant Deed, Transfer RURAL HSNG SVC OR SUCCESSOR AG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2015 · Amount on File
Deed Sale	May 4, 2015 · Amount on File
Prior Sale	Oct 4, 2007 · Amount on File
Deed Document Number	20151959
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN NY
Recording Date	May 11, 2021
Property Address	49 SPEAR HILL RD, MERRILL, NY 12955-3108
Document Number	0000002394
Instrument Date	Apr 22, 2021
Instrument	2021-2394
Transaction Type	Transfer
Record Updated	Sep 21, 2023

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	5775 STATE ROUTE 374, BRAINARDSVILLE, NY 12915

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FRANKLIN NY
Recording Date	Nov 22, 2019
Property Address	49 SPEAR HILL RD, MERRILL, NY 12955-3108
Document Number	0000005500
Instrument Date	Nov 5, 2019
Instrument	5500
Transaction Type	Transfer
Record Updated	Dec 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$320.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1643 PLATTSBURGH NY 129010230, PLATTSBURGH, NY 12901-0230

Mortgage

Document Number	5501
Date	Nov 22, 2019
Instrument	5501

Lender

Name	RURAL HSNG SVC OR SUCCESSOR AG
Address	SAINT LOUIS, MO 63166

Agreement

Amount	Amount on Record
Term	396 Months
Due	Nov 21, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 49 Spear Hill Rd was $2,292, up 12.6% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Franklin County
County Subdivision	Bellmont Town
Unified School District	Chateaugay Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,292.00 (+12.57%)
2025	$2,036.00	$87,300 Land $17,500 Building $69,800	$129,333 Land $25,926 Building $103,407
2023		$87,300 (-) Land $17,500 Building $69,800	$109,125 (+10.63%) Land $21,875 Building $87,250
2022		$87,300 Land $17,500 Building $69,800	$98,644 Land $19,774 Building $78,870

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 49 Spear Hill Rd; 3 flood insurance policies are in force nearby.

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

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 49 Spear Hill 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	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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
SLICFiber Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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