187 Gidley Rd, Esperance, NY 12066 Property Records

Montgomery County and Charleston Town property record for 187 Gidley Rd, Esperance, NY 12066

Property Summary

Property Type	Rural Home
Details	4 bd · 2.5 ba · 2,388 sqft · built 1996
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on File
Last Sale	$535,000 (Oct 2025)
Tax Bill	$11,330 (2026)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`272400 137.-3-2`

Property Details

APN / Parcel Number

Primary APN	`272400 137.-3-2`
Alternative APN	`240013700000030020000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,388 sqft Living Area
1st Floor Area	1,706 sqft
2nd Floor Area	682 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Contemporary
Exterior Material	Wood
Lot Area	435,600 sqft (10 acres)
Lot Width	399 ft Width
Garage Type	Attached
Garage Area	819 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	684 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	187 GIDLEY RD
City	ESPERANCE
State	NY
Zip	12066-2501
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	01 - NOT Z
Legal Description	REFEREE'S DEED
Legal Block	3
Legal Lot Number	2.000
Jurisdiction	MONTGOMERY NY
Township / Civil Division	CHARLESTON
Census Block Group	3
Census Block	3083
Census Tract	72800

Owner

187 Gidley Rd, a rural home, is owned and occupied by an individual who bought it in October 2025.

Source: Montgomery County and Charleston Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	50 MCCLEARY AVE, AMSTERDAM, NY 12010-2815
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2025 · Amount on File
Deed Sale	Oct 16, 2025 · Amount on File
Prior Sale	Jun 24, 2005 · Amount on File
Deed Document Number	20253558
Prior Transfer Date	May 7, 1996
Prior Transfer Doc	0606000177
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY NY
Recording Date	Oct 16, 2025
Property Address	187 GIDLEY RD, ESPERANCE, NY 12066-2501
Document Number	0000000558
Instrument Date	Oct 6, 2025
Instrument	2025-3558
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
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	50 MCCLEARY AVE, AMSTERDAM, NY 12010-2815

Mortgage

Document Number	0000000559
Date	Oct 16, 2025
Instrument	2025-3559

Lender

Name	HUNT MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

The 2026 property tax bill for 187 Gidley Rd was $11,330 with a homeowner's exemption, up 99.5% from the year before.

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	Fonda-Fultonville Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,330.00 (+99.54%) Homeowner's exemption
2025	$5,678.00 (-49.43%)	$295,000 (-) Land $23,400 Building $271,600	$508,621 (+6.03%) Land $40,345 Building $468,276
2024	$11,228.00 Homeowner's exemption	$295,000 (-) Land $23,400 Building $271,600	$479,675 (+10.57%) Land $38,049 Building $441,626
2023		$295,000 Land $23,400 Building $271,600	$433,824 Land $34,412 Building $399,412

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

Flood

FEMA maps place 187 Gidley Rd in Zone X, an area of minimal flood risk, though there have been 20 flood claims nearby since 1980.

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

Wildfire risk around 187 Gidley Rd is low, with a 0.01% annual chance of 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 8 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

Nearby Properties on Gidley Rd

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