198 Clapper Rd, Warnerville, NY 12187 Property Records

Schoharie County and Cobleskill Town property record for 198 Clapper Rd, Warnerville, NY 12187 · Last verified May 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2.5 Baths
Year Built	Built 1999
Square Footage	2,880 sqft Living Area
Lot Size	4,079,394 sqft (93.6 acres)
Occupancy	Owner Occupied
Last Sale	$237,500 (2015)
Tax Bill	$7,645.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`432689 80.-1-3.2`
Alternative APNs	`268908000000010030020000` `435J200001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Building Area	2,880 sqft Living Area
1st Floor	1,440 sqft 1st Floor
2nd Floor	1,440 sqft 2nd Floor
Stories	2 Stories

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Contemporary Style
Exterior Material	Wood Exterior
Lot Area	4,079,394 sqft (93.6 acres)
Lot Width	689 ft Width
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	576 sqft Garage
Pole Structure	Pole Structure

Utilities and HVAC

Heating System	Hot Water Heating
Sewage	Septic Sewage
Water Source	Well Water Source

Location & Zoning

Account Number	435J200001
Street Address	198 CLAPPER RD
City	WARNERVILLE
State	NY
Zip	12187-2512
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	3.002
Jurisdiction	SCHOHARIE NY
Minor Civil Division	COBLESKILL
Census Blockgroup	1
Census Block	1061
Census Tract	740200

Owner

Source: Schoharie County and Cobleskill Town records · APN 432689 80.-1-3.2

Assessment roll updated May 14, 2026 · Last verified May 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 File
Mailing Address	198 CLAPPER RD, WARNERVILLE, NY 12187-2512
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Aug 06, 2019	Deed of Trust, Mortgage · Veterans Administration Mortgage MORTGAGE RESEARCH CENTER LLC
May 08, 2019	Deed of Trust, Mortgage · Stand Alone Refinance ADMIRALS BANK
Feb 01, 2017	Deed of Trust, Mortgage · Veterans Administration Mortgage MORTGAGE RESEARCH CENTER

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 20, 2015 · Amount on Record
Deed Sale	Apr 20, 2015 · Amount on Record
Prior Sale	Apr 07, 1999 · Amount on Record
Deed Book / Page	995 / 176
Record Refreshed	Jun 08, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	198 CLAPPER RD, WARNERVILLE, NY 12187-2512
Transaction Type	Mortgage
Record Updated	Apr 09, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1846/98
Date	Aug 06, 2019
Book Page	1846/98
Instrument	765504

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 01, 2034

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	198 CLAPPER RD, WARNERVILLE, NY 12187-2512
Transaction Type	Mortgage
Record Updated	Apr 09, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1837/196
Date	May 08, 2019
Book Page	1837/196
Instrument	761819

Lender

Name	ADMIRALS BANK
Type	Bank

Agreement

Type	Stand Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jun 01, 2039

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	198 CLAPPER RD, WARNERVILLE, NY 12187-2512
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001749/0000000218
Date	Feb 01, 2017
Book Page	0000001749/0000000218
Instrument	000000711405

Lender

Name	MORTGAGE RESEARCH CENTER

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Jan 01, 2037

Tax Assessment & Valuation

Source: Schoharie County and Cobleskill Town records · Assessment roll updated May 14, 2026 · Last verified May 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,645.00 (+13.61%)	$185,000 (-) Land $90,000 Building $95,000	$377,551 (+16.33%) Land $183,673 Building $193,878
2023		$185,000 Land $90,000 Building $95,000	$324,561 Land $157,895 Building $166,666
2020	$6,729.00

Flood & Wildfire

198 Clapper Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Schoharie County (36095C), updated February 16, 2012

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 20th percentile of exposed land nationally · 55th in New York
Wildfire Likelihood	Low — about 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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