187 Bearkill Rd, Gilboa, NY 12076 Property Records

Schoharie County and Conesville Town property record for 187 Bearkill Rd, Gilboa, NY 12076

Property Summary

Property Type	Residential
Details	2 bd · 1 ba · 1,008 sqft · built 1962
Lot Size	2.1 acres (91,476 sqft)
Owner	Individual Name on Record
Last Sale	$110,000 (Jan 2023)
Tax Bill	$1,522 (2025)
Deeds & Mortgages	Dec 2011 Mortgage Dec 2011 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`432800 209.-3-31`

Property Details

APN / Parcel Number

Primary APN	`432800 209.-3-31`
Alternative APNs	`280020900000030310000000` `445L174044`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	91,476 sqft (2.1 acres)
Lot Width	60 ft Width
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	198 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	445L174044
Street Address	187 BEARKILL RD
City	GILBOA
State	NY
Zip	12076-3601
Property Category	Residential
Property Type	Residential > Specialized > Other
Legal Block	3
Legal Lot Number	31.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	CONESVILLE
Census Block Group	4
Census Block	4019
Census Tract	740800

Owner

Source: Schoharie County and Conesville Town records, as of May 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	809 BEARKILL RD, GILBOA, NY 12076-3418
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2011	Deed of Trust, Mortgage NEW YORK AFFORDABLE HOUSING CORP
Dec 23, 2011	Deed of Trust, Mortgage WESTERN CATSKILLS
Sep 27, 2007	Deed of Trust, Mortgage JPMORGAN CHASE BANK NA
Nov 21, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2023 · Amount on Record
Deed Sale	Jan 25, 2023 · Amount on Record
Prior Sale	Nov 21, 2022 · Amount on Record
Deed Document Number	2023820309
Deed Book / Page	1183 / 36
Record Updated	Jun 8, 2026

December 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	187 BEARKILL RD, GILBOA, NY 12076-3601
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001508/0000000121
Date	Dec 23, 2011
Book Page	0000001508/0000000121
Instrument	0000628615

Lender

Name	NEW YORK AFFORDABLE HOUSING CORP
Type	Government Agency

Agreement

Amount	Amount Recorded

December 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	187 BEARKILL RD, GILBOA, NY 12076-3601
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001508/0000000135
Date	Dec 23, 2011
Book Page	0000001508/0000000135
Instrument	0000628616

Lender

Name	WESTERN CATSKILLS

Agreement

Amount	Amount Recorded

September 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	187 BEARKILL RD, GILBOA, NY 12076-3601
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001274/0000000210
Date	Sep 27, 2007
Book Page	0000001274/0000000210
Instrument	0000475778

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	292 Months
Due	Jan 1, 2032

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Nov 21, 2022
Property Address	187 BEARKILL RD, GILBOA, NY 12076-3601
Document Number	001178/110
Book / Page	1178 / 110
Instrument Date	Nov 17, 2022
Instrument	819553
Transaction Type	Transfer
Record Updated	Apr 16, 2026

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	30 GLADE RD, EAST HAMPTON, NY 11937-1763

Tax Assessment & Valuation

Source: Schoharie County and Conesville Town assessment roll, as of May 14, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,522.00 (+48.49%)	$36,100 (-34.36%) Land $26,500 Building $9,600	$37,604 (-35.05%) Land $27,604 Building $10,000
2023		$55,000 (+22.22%) Land $26,500 Building $28,500	$57,895 (+11.93%) Land $27,895 Building $30,000
2022		$45,000 Land $24,100 Building $20,900	$51,724 Land $27,701 Building $24,023
2021	$1,025.00 (-29.31%)
2020	$1,450.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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	3 in force
Nearby Flood Claims	4 (2011)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 4 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 6 locations within half a mile, as of December 31, 2025

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

Cell Coverage

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

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