118 Hadsell Rd, Warnerville, NY 12187 Property Records

Schoharie County and Richmondville Town property record for 118 Hadsell Rd, Warnerville, NY 12187

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,008 sqft · built 1890
Lot Size	1.1 acres (47,916 sqft)
Owner	2 Individual Names on File
Last Sale	$145,750 (Jul 2022)
Tax Bill	$5,066 (2026)
Deeds & Mortgages	Feb 2012 Mortgage Sep 2006 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`434089 79.-2-13`

Property Details

APN / Parcel Number

Primary APN	`434089 79.-2-13`
Alternative APNs	`408907900000020130000000` `505J102307`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	576 sqft
Upper Floors Area	432 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	47,916 sqft (1.1 acres)
Lot Width	590 ft Width
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	352 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	505J102307
Street Address	118 HADSELL RD
City	WARNERVILLE
State	NY
Zip	12187-3310
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NAME CHG 6/96 WAS CIGALA
Legal Block	2
Legal Lot Number	13.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	RICHMONDVILLE
Census Block Group	2
Census Block	2016
Census Tract	740500

Owner

118 Hadsell Rd is owned and occupied by two individuals who bought it in July 2022.

Source: Schoharie County and Richmondville Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	118 HADSELL RD, WARNERVILLE, NY 12187-3310
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
Feb 10, 2012	Deed of Trust, Mortgage USAA FSB
Sep 8, 2006	Deed of Trust, Mortgage USAA FSB
Jul 18, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage HOME POINT FINANCIAL CORPORATION
Oct 13, 2005	Deed, Transfer USAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2022 · Amount on File
Deed Sale	Jul 18, 2022 · Amount on File
Prior Sale	Oct 13, 2005 · Amount on File
Deed Document Number	2022813628
Deed Book / Page	1169 / 290
Prior Transfer Date	Feb 1, 2012
Prior Transfer Doc	0000000930/000000013
Record Updated	Oct 29, 2026

February 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	118 HADSELL RD, WARNERVILLE, NY 12187-3310
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001514/0000000192
Date	Feb 10, 2012
Book Page	0000001514/0000000192
Instrument	0000630194

Lender

Name	USAA FSB
Type	Bank

Agreement

Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2042

September 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	118 HADSELL RD, WARNERVILLE, NY 12187-3310
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001192/0000000094
Date	Sep 8, 2006
Book Page	0000001192/0000000094
Instrument	0000459742

Lender

Name	USAA FSB
Type	Bank

Agreement

Amount	Amount on Record
Term	160 Months
Due	Jan 1, 2020

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Jul 18, 2022
Property Address	118 HADSELL RD, WARNERVILLE, NY 12187-3310
Document Number	001169/290
Book / Page	1169 / 290
Instrument Date	Jun 29, 2022
Instrument	813628
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	MISC COMPANY

Transaction

Amount	Amount on Record
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	213 SHAFER RD, SPRAKERS, NY 12166-4811
Investor	Possibly a Property Investor

Mortgage

Document Number	0000813629
Date	Jul 18, 2022
Instrument	813629

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

October 2005: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Oct 13, 2005
Property Address	118 HADSELL RD, WARNERVILLE, NY 12187-3310
Document Number	0000000797/0000000230
Book / Page	0000000797 / 0000000230
Instrument Date	Oct 11, 2005
Transaction Type	Transfer
Record Updated	May 12, 2022
Title Company	RAYNOR DUNCOMBE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	118 HADSELL RD, WARNERVILLE, NY 12187-3310

Mortgage

Document Number	0000001122/0000000322
Date	Oct 13, 2005
Book Page	0000001122/0000000322
Instrument	0000446293

Lender

Name	USAA FSB
Type	Bank

Agreement

Amount	Amount on Record
Term	267 Months
Due	Jan 1, 2028

Tax Assessment & Valuation

The 2026 property tax bill for 118 Hadsell Rd was $5,066, down 0.9% from the year before.

Source: Schoharie County and Richmondville Town assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Schoharie County
County Subdivision	Richmondville Town
Unified School District	Cobleskill-Richmondville Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,066.00 (-0.92%)
2025	$5,113.00	$126,000 Land $18,900 Building $107,100	$203,226 Land $30,484 Building $172,742
2023		$126,000 Land $18,900 Building $107,100	$174,033 Land $26,105 Building $147,928
2020	$3,947.00

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

Flood

FEMA maps place 118 Hadsell Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 16, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 118 Hadsell Rd is low, with 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 80% of the US · above 54% of New York
Wildfire Likelihood	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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
MIDTEL Fiber	500 / 100

May also be available: Verizon.

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