892 Co Rte 40, Constable, NY 12926 Property Records

Franklin County and Constable Town property record for 892 Co Rte 40, Constable, NY 12926 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,056 sqft · built 2022
Lot Size	2.24 acres (97,574 sqft)
Owner	Individual Name on File
Last Sale	$65,500 (Jul 2020)
Tax Bill	$1,451 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Nov 2022 Refinance + 2 more
APN	`1-013-10.02`

Property Details

APN / Parcel Number

Primary APN	`1-013-10.02`
Alternative APNs	`360000900000010092000000` `163600 9.-1-9.200`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
1st Floor Area	1,056 sqft
Upper Floors Area	772 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	97,574 sqft (2.24 acres)
Lot Dimensions	300 ft deep x 325 ft wide
Garage Type	Attached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	1,125 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1-013-10.02
Street Address	892 COUNTY ROUTE 40
City	CONSTABLE
State	NY
Zip	12926-2605
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROAD SMITH SMITH DEMERS
Legal Block	1
Legal Lot Number	9.200
Jurisdiction	FRANKLIN NY
Township / Civil Division	CONSTABLE
Census Block Group	2
Census Block	2008
Census Tract	952000

Owner

Source: Franklin County and Constable Town records · APN 1-013-10.02

Assessment roll updated April 28, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	892 COUNTY ROUTE 40, CONSTABLE, NY 12926-2605
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage NORTH COUNTRY SAVINGS BANK
Nov 01, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance NORTH COUNTRY SAVINGS BANK
May 25, 2021	Deed of Trust, Mortgage · ARM NORTH COUNTRY SAVINGS BANK
Jul 20, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage NORTH COUNTRY BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 20, 2020 · Amount on Record
Deed Sale	Jul 20, 2020 · Amount on Record
Prior Sale	Nov 24, 1997 · Amount on Record
Deed Document Number	20202819
Last Transfer Date	Sep 19, 2022
Transfer Doc	0000005987
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN NY
Recording Date	Jul 28, 2026
Property Address	892 COUNTY ROUTE 40, CONSTABLE, NY 12926-2605
Document Number	0000004338
Instrument Date	Jul 23, 2026
Instrument	20264338
Transaction Type	Mortgage
Record Updated	Aug 07, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	892 COUNTY ROUTE 40, CONSTABLE, NY 12926-2605

Mortgage

Document Number	0000004338,
Date	Jul 28, 2026
Instrument	20264338

Lender

Name	NORTH COUNTRY SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.65%
Initial Type	Fixed Rate
Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN NY
Property Address	892 COUNTY ROUTE 40, CONSTABLE, NY 12926-2605
Transaction Type	Mortgage
Record Updated	Nov 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005988
Date	Nov 01, 2022
Instrument	2022-5988

Lender

Name	NORTH COUNTRY SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2052

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN NY
Property Address	892 COUNTY ROUTE 40, CONSTABLE, NY 12926-2605
Transaction Type	Mortgage
Record Updated	Jun 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20212708
Date	May 25, 2021
Instrument	2021-2708

Lender

Name	NORTH COUNTRY SAVINGS BANK

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.08%
Type Change Date	Jun 01, 2022
Index	Other

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN NY
Recording Date	Jul 20, 2020
Property Address	892 COUNTY ROUTE 40, CONSTABLE, NY 12926-2605
Document Number	0000002819
Instrument Date	Jul 15, 2020
Instrument	2020-2819
Transaction Type	Transfer
Record Updated	Apr 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15097 STATE ROUTE 30, MALONE, NY 12953-4823

Mortgage

Document Number	0000002820
Date	Jul 20, 2020
Instrument	2020-2820

Lender

Name	NORTH COUNTRY BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.38%
Type Change Date	Sep 01, 2023
Max Rate At Change	3.63%
Index	Other

Tax Assessment & Valuation

Source: Franklin County and Constable Town records · Assessment roll updated April 28, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,451.00 (+21.22%)	$5,500 (+12.24%) Land $500 Building $5,000	$77,465 (+38.17%) Land $7,042 Building $70,423
2023		$4,900 (-42.35%) Land $500 Building $4,400	$56,064 (-37.34%) Land $5,721 Building $50,343
2022		$8,500 Land $300 Building $8,200	$89,474 Land $3,158 Building $86,316
2021	$1,197.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	FEMA flood map data for this location is not available in our records

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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