Schoharie County and Esperance Town property record for 415 Conover Rd, Esperance, NY 12066
| Details | 4 bd · 3 ba · 1,774 sqft · built 1980 |
|---|---|
| Lot Size | 17.7 acres (774,932 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $271,600 (Mar 2019) |
| Tax Bill | $9,785 (2026) |
| Deeds & Mortgages | Feb 2022 Line of Credit Mar 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 433089 19.-1-21 |
| Primary APN | 433089 19.-1-21 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,774 sqft Living Area |
| 1st Floor Area | 1,774 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 774,932 sqft (17.7 acres) |
| Lot Width | 1,175 ft Width |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 505 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 455J183013 |
|---|---|
| Street Address | 415 CONOVER RD |
| City | ESPERANCE |
| State | NY |
| Zip | 12066-3407 |
| Property Category | Other |
| Property Type | Unknown |
| Local Zoning Code | AG-RES |
| Legal Block | 1 |
| Legal Lot Number | 21.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | ESPERANCE |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 740100 |
415 Conover Rd is owned and occupied by two individuals who bought it in March 2019.
Source: Schoharie County and Esperance Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 415 CONOVER RD, ESPERANCE, NY 12066-3407 |
| 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 16, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU |
| Mar 22, 2019 | Warranty Deed, Transfer · ARM FIRST NEW YORK FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 22, 2019 · Amount on File |
| Deed Sale | Mar 22, 2019 · Amount on File |
| Deed Document Number | 2019759467 |
| Deed Book / Page | 1089 / 4 |
| Prior Transfer Date | Dec 13, 2002 |
| Prior Transfer Doc | 0733000198 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 415 CONOVER RD, ESPERANCE, NY 12066-3407 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001981/131 |
|---|---|
| Date | Feb 16, 2022 |
| Book Page | 1981/131 |
| Instrument | 805493 |
| Name | FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Mar 1, 2032 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Mar 22, 2019 |
| Property Address | 415 CONOVER RD, ESPERANCE, NY 12066-3407 |
| Document Number | 00001089/4 |
| Book / Page | 1089 / 4 |
| Instrument Date | Mar 6, 2019 |
| Instrument | 759467 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 114 LEXINGTON AVE, SCHENECTADY, NY 12309 |
| Document Number | 0001833/62 |
|---|---|
| Date | Mar 22, 2019 |
| Book Page | 1833/62 |
| Instrument | 759469 |
| Name | FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Apr 1, 2024 |
| Index | Other |
The 2026 property tax bill for 415 Conover Rd was $9,785, up 4% from the year before.
Source: Schoharie County and Esperance Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Esperance Town |
| Unified School District | Schoharie Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,785.00 (+4.01%) | ||
| 2025 | $9,408.00 | $259,000 Land $29,800 Building $229,200 | $417,742 Land $48,065 Building $369,677 |
| 2023 | $259,000 Land $29,800 Building $229,200 | $390,002 Land $44,873 Building $345,129 | |
| 2020 | $9,594.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 415 Conover Rd in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 1996.
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 |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 15 (1996–2011) |
| Claims Outside the SFHA | 5 of 15 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| Claims by Event |
|
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 415 Conover 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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