150 Memory Ln, Esperance, NY 12066 Property Records

Schoharie County and Esperance Town property record for 150 Memory Ln, Esperance, NY 12066

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,620 sqft · built 2018
Lot Size	0.96 acres (41,818 sqft)
Owner	2 Individual Names on File
Last Sale	$199,500 (Feb 2020)
Tax Bill	$6,313 (2025)
Deeds & Mortgages	Feb 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`433089 19.1-2-65`

Property Details

APN / Parcel Number

Primary APN	`433089 19.1-2-65`
Alternative APNs	`308901900100020650000000` `455J176014`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,620 sqft Living Area
1st Floor Area	1,620 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	41,818 sqft (0.96 acres)
Lot Dimensions	300 ft deep x 150 ft wide
Porch	Slab

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	455J176014
Street Address	150 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	65.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	ESPERANCE
Census Block Group	3
Census Block	3002
Census Tract	740100

Owner

Source: Schoharie County and Esperance Town records · APN 433089 19.1-2-65

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	PO BOX 203, ESPERANCE, NY 12066-0203
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 24, 2020 · Amount on Record
Deed Sale	Feb 24, 2020 · Amount on Record
Prior Sale	Feb 28, 2002 · Amount on Record
Deed Book / Page	1109 / 48
Record Updated	Sep 20, 2026

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Feb 24, 2020
Property Address	150 MEMORY LN, ESPERANCE, NY 12066-3315
Document Number	0001109/48
Book / Page	1109 / 48
Instrument Date	Feb 18, 2020
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Amount	Amount Recorded
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	91 GORMAN RD, MENANDS, NY 12204-1229

Mortgage

Document Number	0000773722
Date	Feb 24, 2020
Instrument	773722

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	1109/48
Date	Feb 24, 2020
Book Page	1109/48

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2050

Tax Assessment & Valuation

Source: Schoharie County and Esperance Town records · Assessment roll updated May 14, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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	$6,313.00 (+155.9%)	$173,800 (-) Land $12,200 Building $161,600	$280,323 (+7.11%) Land $19,677 Building $260,646
2023		$173,800 (-) Land $12,200 Building $161,600	$261,708 (+15.19%) Land $18,371 Building $243,337
2022		$173,800 Land $12,200 Building $161,600	$227,190 Land $15,948 Building $211,242
2021	$2,467.00 (-68.18%)
2020	$7,754.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 16, 2012 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	Hurricane Irene, Aug 2011 · 7 claims Severe Storms And Flooding, Apr 2005 · 7 claims

Wildfire

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 at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Based on FCC filings for 25 locations within half a mile of this property.

Cell Coverage

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

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