Schoharie County and Esperance Town property record for 417 Junction Rd, Esperance, NY 12066
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 2,235 sqft · built 1890 |
| Lot Size | 11.7 acres (509,652 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $5,559 (2026) |
| Deeds & Mortgages | Aug 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 433089 37.-3-8 |
| Primary APN | 433089 37.-3-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,235 sqft Living Area |
| 1st Floor Area | 1,575 sqft |
| 2nd Floor Area | 660 sqft |
| Upper Floors Area | 144 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 509,652 sqft (11.7 acres) |
| Lot Width | 280 ft Width |
| Porch | Slab |
| Porch Area | 211 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 455J100497 |
|---|---|
| Street Address | 417 JUNCTION RD |
| City | ESPERANCE |
| State | NY |
| Zip | 12066-3909 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R1 |
| Legal Description | LIFE EST DONN & MARGUERIT |
| Legal Block | 3 |
| Legal Lot Number | 8.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | ESPERANCE |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 740100 |
Source: Schoharie County and Esperance 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 Company Names on Record |
|---|---|
| Mailing Address | 417 JUNCTION RD, ESPERANCE, NY 12066-3909 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Tenants by the Entirety |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 417 JUNCTION RD, ESPERANCE, NY 12066-3909 |
| Transaction Type | Mortgage |
| Record Updated | Sep 6, 2018 |
| Name | Verified Name |
|---|
| Document Number | 0000001812/0000000099 |
|---|---|
| Date | Aug 17, 2018 |
| Book Page | 0000001812/0000000099 |
| Instrument | 000000747934 |
| Name | NBT BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
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 | $5,559.00 (+4.04%) Homeowner's exemption Senior Citizen's exemption Veteran's exemption | ||
| 2025 | $5,343.00 (+165.56%) | $149,000 (-) Land $35,000 Building $114,000 | $240,323 (+7.11%) Land $56,452 Building $183,871 |
| 2023 | $149,000 (-) Land $35,000 Building $114,000 | $224,364 (+15.19%) Land $52,703 Building $171,661 | |
| 2022 | $149,000 Land $35,000 Building $114,000 | $194,771 Land $45,752 Building $149,019 | |
| 2021 | $2,012.00 (-50.55%) | ||
| 2020 | $4,069.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 17 (1987–2011) |
| Claims Outside the SFHA | 5 of 17 |
| 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.
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 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
5G (outdoors only) and 4G LTE
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