Schoharie County and Gilboa Town property record for 178 Pine Tree Ln, Gilboa, NY 12076
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,960 sqft · built 2016 |
| Lot Size | 5.89 acres (256,568 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $64,500 (Oct 1996) |
| Tax Bill | $1,938 (2026) |
| Deeds & Mortgages | Apr 2025 Sale & Mortgage Jan 2022 Reverse Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 433400 200.-5-35 |
| Primary APN | 433400 200.-5-35 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,960 sqft Living Area |
| 1st Floor Area | 1,568 sqft |
| 2nd Floor Area | 392 sqft |
| Upper Floors Area | 180 sqft |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood |
| Foundation Type | Raised |
| Lot Area | 256,568 sqft (5.89 acres) |
| Porch | Porch |
| Porch Area | 696 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 475J189090 |
|---|---|
| Street Address | 178 PINE TREE LN |
| City | GILBOA |
| State | NY |
| Zip | 12076-2258 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01 - NOT Z |
| Legal Block | 5 |
| Legal Lot Number | 35.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | GILBOA |
| Census Block Group | 2 |
| Census Block | 2057 |
| Census Tract | 740800 |
Source: Schoharie County and Gilboa Town records, as of October 20, 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 | PO BOX 37, GILBOA, NY 12076-0037 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 22, 2025 | Warranty Deed, Transfer · VA Mortgage PLAZA HOME MORTGAGE INC |
| Jan 11, 2022 | Deed of Trust, Mortgage · Reverse Mortgage LONGBRIDGE FINANCIAL LLC |
| Apr 9, 2018 | Deed of Trust, Mortgage · Reverse Mortgage ONE REVERSE MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 18, 1996 · Amount on Record |
| Deed Sale | Oct 18, 1996 · Amount on Record |
| Deed Book / Page | 604 / 130 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Apr 22, 2025 |
| Property Address | 178 PINE TREE LN, GILBOA, NY 12076-2258 |
| Document Number | 001233/197 |
| Book / Page | 1233 / 197 |
| Instrument Date | Apr 15, 2025 |
| Instrument | 828463 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| Title Company | FIDELITY NATIONAL TITLE MA, FIDELITY NATIONAL TITLE (AKA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 115 UNION AVE APT R101, R101, SARATOGA SPRINGS, NY 12866-4349 |
| Document Number | 002111/150 |
|---|---|
| Date | Apr 22, 2025 |
| Book Page | 2111/150 |
| Instrument | 828464 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 178 PINE TREE LN, GILBOA, NY 12076 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001974/210 |
|---|---|
| Date | Jan 11, 2022 |
| Book Page | 1974/210 |
| Instrument | 802342 |
| Name | LONGBRIDGE FINANCIAL LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 877 Months |
| Due | Feb 1, 2095 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.18% |
| Type Change Date | Jan 1, 2022 |
| Index | Other |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 178 PINE TREE LN, GILBOA, NY 12076 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001799/0000000169 |
|---|---|
| Date | Apr 9, 2018 |
| Book Page | 0000001799/0000000169 |
| Instrument | 000000739179 |
| Name | ONE REVERSE MORTGAGE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 921 Months |
| Due | Jan 1, 2095 |
Source: Schoharie County and Gilboa Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Gilboa Town |
| Unified School District | Gilboa-Conesville Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,938.00 (-1.47%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $1,967.00 (+78.33%) | $1,800 (-) Land $500 Building $1,300 | $116,883 (+6.49%) Land $32,467 Building $84,416 |
| 2023 | $1,800 (-) Land $500 Building $1,300 | $109,756 (+6.1%) Land $30,488 Building $79,268 | |
| 2022 | $1,800 Land $500 Building $1,300 | $103,448 Land $28,736 Building $74,712 | |
| 2021 | $1,103.00 (-22.38%) | ||
| 2020 | $1,421.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
| Nearby Flood Claims | 3 (1995–1996) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Jan 1996 · Severe Storms And Flooding |
| Claims by Event |
|
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.
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.
Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| MTC Cable Fiber | 1,000 / 1,000 |
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