116 Island Rd, Esperance, NY 12066 Property Records

Montgomery County and Charleston Town property record for 116 Island Rd, Esperance, NY 12066

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,017 sqft · built 1900
Lot Size	0.63 acres (27,443 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Jul 2006)
Tax Bill	$3,720 (2026)
Deeds & Mortgages	Apr 2021 Refinance Jun 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`272400 138.1-1-14`

Property Details

APN / Parcel Number

Primary APN	`272400 138.1-1-14`
Alternative APNs	`240013800100010140000000` `0131`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,017 sqft Living Area
1st Floor Area	621 sqft
Upper Floors Area	396 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	27,443 sqft (0.63 acres)
Lot Dimensions	152 ft deep x 28 ft wide
Porch	Slab
Porch Area	322 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0131
Street Address	116 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	14.000
Jurisdiction	MONTGOMERY NY
Township / Civil Division	CHARLESTON
Census Block Group	3
Census Block	3087
Census Tract	72800

Owner

116 Island Rd is owned and occupied by an individual who acquired it in March 2009.

Source: Montgomery County and Charleston Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	116 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.

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CAPITAL COMMUNICATIONS FCU
Jun 3, 2020	Grant Deed, Transfer NOT AVAILABLE
Jun 3, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2006 · Amount on File
Deed Sale	Jul 27, 2006 · Amount on File
Deed Book / Page	1433 / 109
Last Transfer Date	Mar 27, 2009
Transfer Doc	0174100046
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NY
Property Address	116 ISLAND RD, ESPERANCE, NY 12066-2715
Transaction Type	Mortgage
Record Updated	Apr 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002428
Date	Apr 15, 2021
Instrument	2021-92428

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTGOMERY NY
Recording Date	Jun 3, 2020
Property Address	116 ISLAND RD, ESPERANCE, NY 12066-2715
Document Number	0000088017
Instrument Date	May 8, 2020
Instrument	88017
Transaction Type	Transfer
Record Updated	Sep 1, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 ISLAND RD ESPERANCE NY 120662715, ESPERANCE, NY 12066-2715

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY NY
Recording Date	Jun 3, 2020
Property Address	116 ISLAND RD, ESPERANCE, NY 12066-2715
Document Number	0000088016
Instrument Date	May 6, 2020
Instrument	88016
Transaction Type	Transfer
Record Updated	Sep 1, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2055 E SCHODACK RD CASTLETON ON HUDSON NY 120334037, CASTLETON ON HUDSON, NY 12033-4037

Tax Assessment & Valuation

The 2026 property tax bill for 116 Island Rd was $3,720, up 116.5% from the year before.

Source: Montgomery County and Charleston Town assessment roll, as of May 11, 2026

Property Jurisdictions

Type	Name
State	New York
County	Montgomery County
County Subdivision	Charleston Town
Unified School District	Duanesburg Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,720.00 (+116.53%)
2025	$1,718.00	$89,300 Land $7,500 Building $81,800	$153,966 Land $12,931 Building $141,035
2023		$89,300 Land $7,500 Building $81,800	$131,324 Land $11,029 Building $120,295

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 116 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	Hurricane Irene, Aug 2011 · 6 claims Severe Storms And Flooding, Apr 2005 · 9 claims Flooding, Apr 1987 · 2 claims

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 116 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 94% of the US · lower than 91% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 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: Verizon.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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