Montgomery County and Charleston Town property record for 183 Gidley Rd, Esperance, NY 12066
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,392 sqft · built 2008 |
| Lot Size | 4 acres (174,240 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $7,374 (2026) |
| Deeds & Mortgages | Oct 2021 Refinance May 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 272400 137.-3-1.122 |
| Primary APN | 272400 137.-3-1.122 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,392 sqft Living Area |
| 1st Floor Area | 1,196 sqft |
| 2nd Floor Area | 1,196 sqft |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 174,240 sqft (4 acres) |
| Lot Depth | 606 ft Depth |
| Porch | Slab |
| Porch Area | 64 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0407 |
|---|---|
| Street Address | 183 GIDLEY RD |
| City | ESPERANCE |
| State | NY |
| Zip | 12066-2501 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01 - NOT Z |
| Legal Block | 3 |
| Legal Lot Number | 1.122 |
| Jurisdiction | MONTGOMERY NY |
| Township / Civil Division | CHARLESTON |
| Census Block Group | 3 |
| Census Block | 3083 |
| Census Tract | 72800 |
Source: Montgomery County and Charleston Town records, as of September 23, 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 | 183 GIDLEY RD, ESPERANCE, NY 12066-2501 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 14, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance TRUSTCO BANK |
| May 27, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance TRUSTCO BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY NY |
| Property Address | 183 GIDLEY RD OFC, ESPERANCE, NY 12066-2501 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 5338 |
|---|---|
| Date | Oct 14, 2021 |
| Instrument | 2021-95338 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY NY |
| Property Address | 183 GIDLEY RD OFC, ESPERANCE, NY 12066-2501 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3077 |
|---|---|
| Date | May 27, 2021 |
| Instrument | 2021-93077 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
Source: Montgomery County and Charleston Town assessment roll, as of May 11, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Montgomery County |
| County Subdivision | Charleston Town |
| Unified School District | Fonda-Fultonville Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,374.00 (+1.56%) Homeowner's exemption | ||
| 2025 | $7,261.00 | $192,000 (-) Land $16,000 Building $176,000 | $331,034 (+17.24%) Land $27,586 Building $303,448 |
| 2023 | $192,000 Land $16,000 Building $176,000 | $282,353 Land $23,529 Building $258,824 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 980 / 880 |
4G LTE (outdoors only), no 5G reported
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