95 Valley Rd, Malone, NY 12953 Property Records

Franklin County and Malone Town property record for 95 Valley Rd, Malone, NY 12953

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,950 sqft · built 1985
Lot Size	1.3 acres (56,628 sqft)
Owner	Individual Name on Record
Last Sale	$116,000 (Jul 2008)
Tax Bill	$3,533 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Jun 2019 Loan Modification
APN	`1.-128-05.3`

Property Details

APN / Parcel Number

Primary APN	`1.-128-05.3`
Alternative APNs	`488908400000010189000000` `164889 84.-1-18.900`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,950 sqft Living Area
1st Floor Area	975 sqft
2nd Floor Area	975 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	56,628 sqft (1.3 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	996 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	1.-128-05.3
Street Address	95 VALLEY RD
City	MALONE
State	NY
Zip	12953-4808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Description	SEC 6 BLOCK 43&46 LOTS 5-
Legal Block	1
Legal Lot Number	18.900
Jurisdiction	FRANKLIN NY
Township / Civil Division	MALONE
Census Block Group	1
Census Block	1005
Census Tract	951400

Owner

Source: Franklin County and Malone Town records, as of October 14, 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 Record
Mailing Address	95 VALLEY RD, MALONE, NY 12953-4808
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICE LINK LP, SERVICE LINK
Jun 24, 2019	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2008 · Amount on Record
Deed Sale	Jul 24, 2008 · Amount on Record
Prior Sale	May 5, 2005 · Amount on Record
Deed Book / Page	981 / 50
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN NY
Recording Date	Sep 28, 2026
Property Address	95 VALLEY RD, MALONE, NY 12953-4808
Document Number	0000005409
Instrument Date	Aug 11, 2026
Instrument	20265409
Transaction Type	Mortgage
Record Updated	Oct 14, 2026
Title Company	SERVICE LINK LP, SERVICE LINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 VALLEY RD, MALONE, NY 12953-4808

Mortgage

Document Number	0000005409,
Date	Sep 28, 2026
Instrument	20265409

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	274 Months
Due	Jul 1, 2049

Interest

Max Rate	-1%

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FRANKLIN NY
Property Address	95 VALLEY RD, MALONE, NY 12953-4808
Document Number	0000001251
Instrument Date	Jun 24, 2019
Transaction Type	Mortgage
Record Updated	Jun 9, 2020
Title Company	SERVICELINK LOAN MOD SOLUTIONS, SERVICELINK LN MOD SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 VALLEY RD MALONE NY 129534808, MALONE, NY 12953-4808

Mortgage

Document Number	0000001251
Date	Mar 18, 2020
Instrument	1251

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 17, 2050

Interest

Rate	4.37%

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
2026	$3,533.00 (-3.34%) Homeowner's exemption
2025	$3,655.00 (+151.03%)	$95,000 (-) Land $13,600 Building $81,400	$175,926 (+11.11%) Land $25,185 Building $150,741
2023		$95,000 (-) Land $13,600 Building $81,400	$158,333 (+14.17%) Land $22,667 Building $135,666
2022		$95,000 Land $13,600 Building $81,400	$138,686 Land $19,854 Building $118,832
2021	$1,456.00

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 · 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 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: SLICFiber.

Cell Coverage

5G and 4G LTE (outdoors only)

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