174 Gidley Rd, Esperance, NY 12066 Property Records

Montgomery County and Charleston Town property record for 174 Gidley Rd, Esperance, NY 12066

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,100 sqft · built 1986
Lot Size	4.3 acres (187,308 sqft)
Owner	2 Individual Names on Record
Last Sale	$10,304 (Nov 2022)
Tax Bill	$1,623 (2025)
Deeds & Mortgages	Nov 2022 Sale Oct 2022 Foreclosure + 3 more
Flood Zone	Zone X (minimal risk)
APN	`272400 137.-3-5`

Property Details

APN / Parcel Number

Primary APN	`272400 137.-3-5`
Alternative APN	`240013700000030050000000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,100 sqft Living Area
1st Floor Area	1,100 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Lot Area	187,308 sqft (4.3 acres)
Garage Type	Attached
Garage Area	900 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	534 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	174 GIDLEY RD
City	ESPERANCE
State	NY
Zip	12066-2500
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Description	LIFE ESTATE
Legal Block	3
Legal Lot Number	5.000
Jurisdiction	MONTGOMERY NY
Township / Civil Division	CHARLESTON
Census Block Group	3
Census Block	3079
Census Tract	72800

Owner

Source: Montgomery County and Charleston Town records, as of May 11, 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 Record
Mailing Address	174 GIDLEY RD, ESPERANCE, NY 12066-2500
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2022	Deed, Transfer
Oct 24, 2022	Public Action, Foreclosure
Mar 14, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Mar 29, 2021	Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC
Oct 15, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2022 · Amount on Record
Deed Sale	Nov 17, 2022 · Amount on Record
Prior Sale	Oct 24, 2022
Deed Document Number	20221012
Prior Transfer Date	Oct 1, 2019
Prior Transfer Doc	2019085403
Record Updated	Jun 8, 2026

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY NY
Recording Date	Nov 17, 2022
Property Address	174 GIDLEY RD, ESPERANCE, NY 12066-2500
Document Number	0000000012
Instrument Date	Nov 10, 2022
Instrument	2022-1012
Transaction Type	Transfer
Record Updated	Dec 13, 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	174 GIDLEY RD, ESPERANCE, NY 12066-2500

October 2022: Public Action, Foreclosure

Document Type	Public Action
Jurisdiction	MONTGOMERY NY
Recording Date	Oct 24, 2022
Property Address	174 GIDLEY RD, ESPERANCE, NY 12066-2500
Document Number	0000000058
Instrument Date	Oct 19, 2022
Instrument	2022-558
Transaction Type	Foreclosure
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NY
Property Address	174 GIDLEY RD, ESPERANCE, NY 12066-2500
Transaction Type	Mortgage
Record Updated	Apr 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007804
Date	Mar 14, 2022
Instrument	2022-97804

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY NY
Recording Date	Mar 29, 2021
Property Address	174 GIDLEY RD, ESPERANCE, NY 12066-2500
Document Number	0000002176
Instrument Date	Jan 25, 2021
Instrument	2021-92176
Transaction Type	Transfer
Record Updated	Apr 19, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	174 GIDLEY RD, ESPERANCE, NY 12066-2500

Mortgage

Document Number	0000002177
Date	Mar 29, 2021
Instrument	2021-92177

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY NY
Recording Date	Oct 15, 2019
Property Address	174 GIDLEY RD, ESPERANCE, NY 12066-2500
Document Number	0000085403
Instrument Date	Oct 1, 2019
Instrument	85403
Transaction Type	Transfer
Record Updated	Dec 17, 2019
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	PO BOX 253 ESPERANCE NY 120660253, ESPERANCE, NY 12066-0253

Tax Assessment & Valuation

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
2025	$1,623.00	$91,700 (-) Land $15,000 Building $76,700	$158,103 (+17.24%) Land $25,862 Building $132,241
2023		$91,700 Land $15,000 Building $76,700	$134,853 Land $22,059 Building $112,794

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

Flood

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
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

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)
Verizon Fiber	980 / 880

Cell Coverage

4G LTE only, no 5G reported

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