Montgomery County and Charleston Town property record for 108 Island Rd, Esperance, NY 12066
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 2,267 sqft · built 1880 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $9,000 (Jan 2020) |
| Tax Bill | $3,179 (2026) |
| Deeds & Mortgages | Jan 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 272400 138.1-1-16 |
| Primary APN | 272400 138.1-1-16 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,267 sqft Living Area |
| 1st Floor Area | 1,547 sqft |
| 2nd Floor Area | 720 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 19,602 sqft (0.45 acres) |
| Lot Dimensions | 176 ft deep x 152 ft wide |
| Porch | Slab |
| Porch Area | 185 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0132 |
|---|---|
| Street Address | 108 ISLAND RD |
| City | ESPERANCE |
| State | NY |
| Zip | 12066-2715 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Block | 1 |
| Legal Lot Number | 16.000 |
| Jurisdiction | MONTGOMERY NY |
| Township / Civil Division | CHARLESTON |
| Census Block Group | 3 |
| Census Block | 3087 |
| Census Tract | 72800 |
108 Island Rd is owned and occupied by two individuals who bought it in January 2020.
Source: Montgomery County and Charleston Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 108 ISLAND RD, ESPERANCE, NY 12066-2715 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 8, 2020 · Amount on File |
| Deed Sale | Jan 8, 2020 · Amount on File |
| Prior Sale | Aug 13, 2009 · Amount on File |
| Deed Book / Page | 2020 / 86462 |
| Prior Transfer Date | Jun 22, 2015 |
| Prior Transfer Doc | 2015063652 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONTGOMERY NY |
| Recording Date | Jan 8, 2020 |
| Property Address | 108 ISLAND RD, ESPERANCE, NY 12066-2715 |
| Document Number | 0000086462 |
| Instrument Date | Dec 31, 2019 |
| Instrument | 86462 |
| Transaction Type | Transfer |
| Record Updated | Feb 18, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2460 WESTERN AVE #25 ALTAMONT NY 120099437, 25, ALTAMONT, NY 12009-9437 |
The 2026 property tax bill for 108 Island Rd was $3,179 with a veteran's exemption, up 112.8% from the year before.
Source: Montgomery County and Charleston Town assessment roll, as of May 11, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Montgomery County |
| County Subdivision | Charleston Town |
| Unified School District | Duanesburg Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,179.00 (+112.78%) Veteran's exemption | ||
| 2025 | $1,494.00 | $85,000 Land $6,300 Building $78,700 | $146,552 Land $10,862 Building $135,690 |
| 2023 | $85,000 Land $6,300 Building $78,700 | $125,000 Land $9,265 Building $115,735 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 108 Island Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective November 30, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 20 (1980–2011) |
| Claims Outside the SFHA | 3 of 20 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| Claims by Event |
|
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 risk around 108 Island Rd is low, with less than 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 93% of the US · lower than 89% 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.
Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 980 / 880 |
| Starlink Satellite | 280 / 30 |
4G LTE (outdoors only), no 5G reported
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