324 Westkill Rd, Jefferson, NY 12093 Property Records

Schoharie County and Jefferson Town property record for 324 Westkill Rd, Jefferson, NY 12093

Property Summary

Property Type	Rural Home
Details	4 bd · 1 ba · 1,152 sqft · built 1900
Lot Size	37.3 acres (1,624,788 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,372 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Jul 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`433600 157.-5-6`

Property Details

APN / Parcel Number

Primary APN	`433600 157.-5-6`
Alternative APNs	`360015700000050060000000` `485J100609`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,152 sqft Living Area
1st Floor Area	576 sqft
2nd Floor Area	576 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	1,624,788 sqft (37.3 acres)
Lot Width	1,050 ft Width
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	384 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	485J100609
Street Address	324 WESTKILL RD
City	JEFFERSON
State	NY
Zip	12093-3004
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	RES
Legal Block	5
Legal Lot Number	6.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	JEFFERSON
Census Block Group	3
Census Block	3006
Census Tract	740600

Owner

Source: Schoharie County and Jefferson Town records, as of October 20, 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	324 WESTKILL RD, JEFFERSON, NY 12093-3004
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2022	Deed, Transfer · Stand-Alone First Mortgage YOLANDA DECASTRO
Jul 12, 2017	Deed of Trust, Mortgage · Line of Credit NBT BANK NA
Jan 18, 2017	Intrafamily Transfer, Transfer NOT AVAILABLE, SHAWN SMITH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 17, 2017
Transfer Doc	0000001037/000000020
Record Updated	Oct 29, 2026

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Oct 14, 2022
Property Address	324 WESTKILL RD, JEFFERSON, NY 12093-3004
Document Number	0001176/12
Book / Page	1176 / 12
Instrument Date	Sep 30, 2022
Instrument	818484
Transaction Type	Transfer
Record Updated	Nov 1, 2022

Transaction

Amount	Amount Recorded
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
Address	324 WESTKILL RD, JEFFERSON, NY 12093-3004

Mortgage

Document Number	0000818486
Date	Oct 14, 2022
Instrument	818486

Lender

Name	YOLANDA DECASTRO

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	324 WESTKILL RD, JEFFERSON, NY 12093-3004
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001765/0000000134
Date	Jul 12, 2017
Book Page	0000001765/0000000134
Instrument	000000722683

Lender

Name	NBT BANK NA

Agreement

Type	Line of Credit
Amount	Amount Recorded

January 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SCHOHARIE NY
Recording Date	Jan 18, 2017
Property Address	324 WESTKILL RD, JEFFERSON, NY 12093-3004
Document Number	0000001037/0000000207
Book / Page	0000001037 / 0000000207
Instrument Date	Jan 17, 2017
Transaction Type	Transfer
Record Updated	May 12, 2022
Title Company	NOT AVAILABLE, SHAWN SMITH

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 WESTKILL RD, JEFFERSON, NY 12093-3004

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,372.00 (+1.41%) Homeowner's exemption Senior Citizen's exemption
2025	$4,311.00 (+104.02%)	$71,820 (-) Land $37,225 Building $34,595	$189,000 (+10.53%) Land $97,961 Building $91,039
2023		$71,820 (+7.16%) Land $37,225 Building $34,595	$171,000 (+19.92%) Land $88,631 Building $82,369
2022		$67,020 Land $39,040 Building $27,980	$142,596 Land $83,064 Building $59,532
2021	$2,113.00 (-33.99%)
2020	$3,201.00

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

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 Claims	3 (1992–2012)
Most Recent Claim	Oct 2012 · Hurricane Sandy

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)
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

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