Schoharie County and Richmondville Town property record for 130 Royal Dr, Warnerville, NY 12187 · Last verified August 2026
| Property Type | Residential > Single Family > Rural Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1988 |
| Square Footage | 1,660 sqft Living Area |
| Lot Size | 537,095 sqft (12.3 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $140,000 (2001) |
| Tax Bill | $6,649.00 (2025) |
| Primary APN | 434089 67.16-3-16 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,660 sqft Living Area |
| 1st Floor | 1,107 sqft 1st Floor |
| Upper Floors | 553 sqft Upper Floors |
| Basement Area | 832 sqft Basement |
| Finished Basement | 832 sqft Finished |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Contemporary Style |
| Exterior Material | Wood Exterior |
| Lot Area | 537,095 sqft (12.3 acres) |
| Lot Width | 49.7 ft Width |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 720 sqft Garage |
| Heating Fuel | Electric Heating Fuel |
|---|---|
| Sewage | Septic Sewage |
| Water Source | Well Water Source |
| Account Number | 505J187011 |
|---|---|
| Street Address | 130 ROYAL DR |
| City | WARNERVILLE |
| State | NY |
| Zip | 12187 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Rural Home |
| Legal Block | 3 |
| Legal Lot Number | 16.000 |
| Jurisdiction | SCHOHARIE NY |
| Minor Civil Division | RICHMONDVILLE |
| Census Blockgroup | 2 |
| Census Block | 2002 |
| Census Tract | 740500 |
Source: Schoharie County and Richmondville Town records · APN 434089 67.16-3-16
Assessment roll updated May 14, 2026 · Last verified August 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 | 130 ROYAL DR, WARNERVILLE, NY 12187 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 13, 2026 | Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION |
| Jan 12, 2022 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage RELIANCE FIRST CAPITAL LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 15, 2001 · Amount on Record |
| Deed Sale | May 15, 2001 · Amount on Record |
| Deed Book / Page | 694 / 57 |
| Last Transfer Date | Dec 23, 2021 |
| Transfer Doc | 0000802376 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Jul 13, 2026 |
| Property Address | 130 ROYAL DR, WARNERVILLE, NY 12187 |
| Document Number | 0000832758 |
| Book / Page | 2157 / 77 |
| Instrument Date | Jun 16, 2026 |
| Instrument | 2026832758 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000832758, |
|---|---|
| Date | Jul 13, 2026 |
| Book Page | 2157/77 |
| Instrument | 2026832758 |
| Name | UNION FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 13, 2046 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 130 ROYAL DR, WARNERVILLE, NY 12187 |
| Transaction Type | Mortgage |
| Record Updated | Feb 01, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001975/41 |
|---|---|
| Date | Jan 12, 2022 |
| Book Page | 1975/41 |
| Instrument | 802378 |
| Name | RELIANCE FIRST CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Feb 01, 2047 |
Source: Schoharie County and Richmondville Town records · Assessment roll updated May 14, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Richmondville 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 | $6,649.00 (+20.69%) | $171,700 (-) Land $39,456 Building $132,244 | $276,935 (+16.77%) Land $63,639 Building $213,296 |
| 2023 | $171,700 Land $39,456 Building $132,244 | $237,155 Land $54,497 Building $182,658 | |
| 2020 | $5,509.00 |
130 Royal Dr 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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