Schoharie County and Esperance Town property record for 110 Memory Ln, Esperance, NY 12066
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,296 sqft · built 1973 |
| Lot Size | 2.25 acres (98,010 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $77,900 (Jun 1999) |
| Tax Bill | $3,476 (2026) |
| Deeds & Mortgages | Jun 2017 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 433089 19.1-2-59 |
| Primary APN | 433089 19.1-2-59 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,296 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Upper Floors Area | 336 sqft |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood |
| Lot Area | 98,010 sqft (2.25 acres) |
| Lot Width | 367 ft Width |
| Porch | Slab |
| Porch Area | 384 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 455J100192 |
|---|---|
| Street Address | 110 MEMORY LN |
| City | ESPERANCE |
| State | NY |
| Zip | 12066-3315 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | HAM |
| Legal Block | 2 |
| Legal Lot Number | 59.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | ESPERANCE |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 740100 |
Source: Schoharie County and Esperance Town records, as of October 20, 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 | 110 MEMORY LN, ESPERANCE, NY 12066-3315 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 21, 1999 · Amount on Record |
| Deed Sale | Jun 21, 1999 · Amount on Record |
| Deed Book / Page | 654 / 318 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 110 MEMORY LN, ESPERANCE, NY 12066-3315 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001761/0000000001 |
|---|---|
| Date | Jun 1, 2017 |
| Book Page | 0000001761/0000000001 |
| Instrument | 000000720058 |
| Name | FIRST NEW YORK FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
Source: Schoharie County and Esperance Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Esperance Town |
| Unified School District | Schoharie Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,476.00 (+4.01%) Homeowner's exemption | ||
| 2025 | $3,342.00 (+122.5%) | $92,000 (-) Land $12,000 Building $80,000 | $148,387 (+7.11%) Land $19,355 Building $129,032 |
| 2023 | $92,000 (-13.04%) Land $12,000 Building $80,000 | $138,533 (+0.17%) Land $18,070 Building $120,463 | |
| 2022 | $105,800 Land $12,000 Building $93,800 | $138,301 Land $15,686 Building $122,615 | |
| 2021 | $1,502.00 (-53.95%) | ||
| 2020 | $3,262.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective February 16, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 15 (1996–2011) |
| Claims Outside the SFHA | 5 of 15 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 93% 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 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
4G LTE (outdoors only), no 5G reported
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