Schoharie County and Cobleskill Town property record for 120 Clapper Rd, Warnerville, NY 12187 · Last verified May 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 1.5 Baths |
| Year Built | Built 1986 |
| Square Footage | 864 sqft Living Area |
| Lot Size | 118,919 sqft (2.73 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $66,500 (1998) |
| Tax Bill | $2,731.00 (2025) |
| Primary APN | 432689 68.-3-17 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 864 sqft Living Area |
| 1st Floor | 864 sqft 1st Floor |
| Basement Area | 450 sqft Basement |
| Finished Basement | 450 sqft Finished |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Ranch Style |
| Exterior Material | Wood Exterior |
| Lot Area | 118,919 sqft (2.73 acres) |
| Lot Width | 425 ft Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Carport Garage |
| Garage Area | 400 sqft Garage |
| Carport | Carport |
| Carport Area | 400 sqft Carport |
| Shed | 1 Shed |
| Porch Area | 80 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating Fuel | Electric Heating Fuel |
| Sewage | Septic Sewage |
| Water Source | Well Water Source |
| Account Number | 435J186036 |
|---|---|
| Street Address | 120 CLAPPER RD |
| City | WARNERVILLE |
| State | NY |
| Zip | 12187-2512 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 3 |
| Legal Lot Number | 17.000 |
| Jurisdiction | SCHOHARIE NY |
| Minor Civil Division | COBLESKILL |
| Census Blockgroup | 1 |
| Census Block | 1061 |
| Census Tract | 740200 |
Source: Schoharie County and Cobleskill Town records · APN 432689 68.-3-17
Assessment roll updated May 14, 2026 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 120 CLAPPER RD, WARNERVILLE, NY 12187-2512 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 30, 2021 | Deed of Trust, Mortgage · Line of Credit KEY BANK NA |
| Jul 12, 2017 | Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FEDERAL CREDIT UNION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 26, 1998 · Amount on Record |
| Deed Sale | Mar 26, 1998 · Amount on Record |
| Deed Book / Page | 630 / 146 |
| Last Transfer Date | Jun 23, 2010 |
| Transfer Doc | 0000000901/000000006 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 120 CLAPPER RD, WARNERVILLE, NY 12187-2512 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1956/90 |
|---|---|
| Date | Sep 30, 2021 |
| Book Page | 1956/90 |
| Instrument | 796561 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 120 CLAPPER RD, WARNERVILLE, NY 12187-2512 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001765/0000000082 |
|---|---|
| Date | Jul 12, 2017 |
| Book Page | 0000001765/0000000082 |
| Instrument | 000000722671 |
| Name | FIRST NEW YORK FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
Source: Schoharie County and Cobleskill Town records · Assessment roll updated May 14, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Cobleskill Town |
| Unified School District | Cobleskill-Richmondville Central School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,731.00 (+30.3%) | $60,100 (-) Land $6,800 Building $53,300 | $122,653 (+16.33%) Land $13,878 Building $108,775 |
| 2023 | $60,100 Land $6,800 Building $53,300 | $105,439 Land $11,930 Building $93,509 | |
| 2020 | $2,096.00 |
120 Clapper Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Schoharie County (36095C), updated February 16, 2012
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 55th in New York |
|---|---|
| Wildfire Likelihood | Low — about 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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