191 Ackerley Rd, Gilboa, NY 12076 Property Records

Schoharie County and Conesville Town property record for 191 Ackerley Rd, Gilboa, NY 12076

Property Summary

Property Type	Rural Home
Details	5 bd · 2.5 ba · 4,590 sqft · built 2010
Lot Size	3.91 acres (170,320 sqft)
Owner	2 Individual Names on File
Last Sale	$461,000 (Jun 2021)
Tax Bill	$10,603 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Sep 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`432800 211.-4-18`

Property Details

APN / Parcel Number

Primary APN	`432800 211.-4-18`
Alternative APNs	`280021100000040180000000` `445J189038`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	4,590 sqft Living Area
1st Floor Area	2,673 sqft
2nd Floor Area	1,917 sqft
Upper Floors Area	1,917 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2015
Architectural Style	Contemporary
Exterior Material	Wood
Lot Area	170,320 sqft (3.91 acres)
Garage Type	Basement
Porch	Slab
Porch Area	625 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	445J189038
Street Address	191 ACKERLEY RD
City	GILBOA
State	NY
Zip	12076-3203
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Block	4
Legal Lot Number	18.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	CONESVILLE
Census Block Group	4
Census Block	4037
Census Tract	740800

Owner

191 Ackerley Rd, a rural home, is owned by two individuals who bought it in June 2021.

Source: Schoharie County and Conesville Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	141 ACKERLEY RD, GILBOA, NY 12076-3203
Owner Type	Individual

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

Date	Document
Oct 29, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage HOMESTEAD FUNDING CORP
Sep 6, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance THE NATIONAL BANK OF COXSACKIE
Oct 29, 2019	Deed of Trust, Mortgage · Balloon Mortgage THE NATIONAL BANK OF COXSACKIE
Jun 11, 2021	Deed, Transfer · Stand-Alone First Mortgage HOMESTEAD FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2021 · Amount on File
Deed Sale	Jun 11, 2021 · Amount on File
Prior Sale	Sep 6, 2019 · Amount on File
Deed Document Number	2021790635
Deed Book / Page	1139 / 138
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	191 ACKERLEY RD, GILBOA, NY 12076-3203
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001960/205
Date	Oct 29, 2021
Book Page	1960/205
Instrument	797834

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	191 ACKERLEY RD, GILBOA, NY 12076-3203
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001849/191
Date	Sep 6, 2019
Book Page	1849/191
Instrument	766688

Lender

Name	THE NATIONAL BANK OF COXSACKIE
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	191 ACKERLEY RD, GILBOA, NY 12076-3203
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001856/239
Date	Oct 29, 2019
Book Page	1856/239
Instrument	768707

Lender

Name	THE NATIONAL BANK OF COXSACKIE
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Jun 11, 2021
Property Address	191 ACKERLEY RD, GILBOA, NY 12076-3203
Document Number	001139/138
Book / Page	1139 / 138
Instrument Date	May 27, 2021
Instrument	790635
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Relationship	Joint Tenants with Right of Survivorship
Address	248 MCKIBBEN ST APT 1P, 1P, BROOKLYN, NY 11206-3566

Mortgage

Document Number	0000790636
Date	Jun 11, 2021
Instrument	790636

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 191 Ackerley Rd was $10,603, up 3.5% from the year before.

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
2026	$10,603.00 (+3.51%)
2025	$10,243.00	$550,000 Land $35,600 Building $514,400	$572,917 Land $37,083 Building $535,834
2023		$498,900 (+27.92%) Land $35,600 Building $463,300	$525,158 (+17.15%) Land $37,474 Building $487,684
2022		$390,000 Land $33,600 Building $356,400	$448,276 Land $38,621 Building $409,655
2021	$2,445.00 (-66.74%)
2020	$7,351.00

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

Flood

FEMA maps place 191 Ackerley Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2011.

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

Wildfire risk around 191 Ackerley 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 15 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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