Schoharie County and Richmondville Town property record for 344 Karker Rd, Warnerville, NY 12187
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,959 sqft · built 1879 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,625 (2026) |
| Deeds & Mortgages | Feb 2021 Refinance Nov 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 434089 92.-3-17 |
| Primary APN | 434089 92.-3-17 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,959 sqft Living Area |
| 1st Floor Area | 1,060 sqft |
| 2nd Floor Area | 899 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1879 |
|---|---|
| Effective Year Built | Effective 1879 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Lot Area | 217,800 sqft (5 acres) |
| Lot Width | 244 ft Width |
| Garage Type | Mixed |
| Garage Area | 1,472 sqft |
| Parking Spaces | 7 Parking Spaces |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 505J187003 |
|---|---|
| Street Address | 344 KARKER RD |
| City | WARNERVILLE |
| State | NY |
| Zip | 12187-3202 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 3 |
| Legal Lot Number | 17.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | RICHMONDVILLE |
| Census Block Group | 2 |
| Census Block | 2036 |
| Census Tract | 740500 |
344 Karker Rd is owned and occupied by two individuals.
Source: Schoharie County and Richmondville Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 300, WARNERVILLE, NY 12187-0300 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Feb 22, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FIRST NEW YORK FCU |
| Nov 28, 2018 | Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FEDERAL CREDIT UNION |
| Mar 29, 2018 | Deed of Trust, Mortgage FIRST NEW YORK FEDERAL CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 344 KARKER RD, WARNERVILLE, NY 12187-3202 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1920/204 |
|---|---|
| Date | Feb 22, 2021 |
| Book Page | 1920/204 |
| Instrument | 784934 |
| Name | FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 344 KARKER RD, WARNERVILLE, NY 12187-3202 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2018 |
| Name | Verified Name |
|---|
| Document Number | 0000001823/0000000109 |
|---|---|
| Date | Nov 28, 2018 |
| Book Page | 0000001823/0000000109 |
| Instrument | 000000753873 |
| Name | FIRST NEW YORK FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 110 Months |
| Due | Jan 1, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 344 KARKER RD, WARNERVILLE, NY 12187-3202 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2018 |
| Name | Verified Name |
|---|
| Document Number | 0000001798/0000000125 |
|---|---|
| Date | Mar 29, 2018 |
| Book Page | 0000001798/0000000125 |
| Instrument | 000000737861 |
| Name | FIRST NEW YORK FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 344 Karker Rd was $4,625 with a veteran's exemption, down 0.8% from the year before.
Source: Schoharie County and Richmondville Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Richmondville Town |
| Unified School District | Cobleskill-Richmondville Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,625.00 (-0.75%) Veteran's exemption | ||
| 2025 | $4,660.00 | $117,540 Land $24,200 Building $93,340 | $189,581 Land $39,032 Building $150,549 |
| 2023 | $117,540 Land $24,200 Building $93,340 | $162,348 Land $33,425 Building $128,923 | |
| 2020 | $4,315.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 344 Karker Rd in Zone X, an area of minimal flood risk.
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 | 1 in force |
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 risk around 344 Karker 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.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| MIDTEL Fiber | 500 / 100 |
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