Clinton County and Mooers Town property record for 431 Gilbert Rd, Mooers, NY 12958
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,990 sqft · built 1900 |
| Lot Size | 36.4 acres (1,585,584 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,862 (2026) |
| Deeds & Mortgages | May 2021 Refinance Jun 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 093800 45.-1-27 |
| Primary APN | 093800 45.-1-27 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,990 sqft Living Area |
| 1st Floor Area | 1,320 sqft |
| 2nd Floor Area | 380 sqft |
| Upper Floors Area | 290 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 1,585,584 sqft (36.4 acres) |
| Garage Type | Attached |
| Garage Area | 725 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 457 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 431 GILBERT RD |
|---|---|
| City | MOOERS |
| State | NY |
| Zip | 12958-4119 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | LOT 90 REF TR PATE |
| Legal Block | 1 |
| Legal Lot Number | 27.000 |
| Jurisdiction | CLINTON NY |
| Township / Civil Division | MOOERS |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 104200 |
431 Gilbert Rd, a rural home, is owned and occupied by two individuals.
Source: Clinton County and Mooers Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 431 GILBERT RD, MOOERS, NY 12958-4119 |
| 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 |
|---|---|
| May 25, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC |
| Jun 4, 2019 | Deed of Trust, Mortgage · Line of Credit CHAMPLAIN NAT'L BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLINTON NY |
| Property Address | 431 GILBERT RD, MOOERS, NY 12958-4119 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021000316162 |
|---|---|
| Date | May 25, 2021 |
| Instrument | 20210-00316162 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLINTON NY |
| Property Address | 431 GILBERT RD, MOOERS, NY 12958-4119 |
| Document Number | 0000301341 |
| Instrument Date | Jun 4, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 27, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 431 GILBERT RD MOOERS NY 129584119, MOOERS, NY 12958-4119 |
| Document Number | 0000301341 |
|---|---|
| Date | Jun 12, 2019 |
| Instrument | 301341 |
| Name | CHAMPLAIN NAT'L BK |
|---|---|
| Address | WILLSBORO, NY 12996 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jun 11, 2044 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 431 Gilbert Rd was $4,862 with a homeowner's exemption, up 216.3% from the year before.
Source: Clinton County and Mooers Town assessment roll, as of March 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Clinton County |
| County Subdivision | Mooers Town |
| Unified School District | Northeastern Clinton Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,862.00 (+216.33%) Homeowner's exemption | ||
| 2025 | $1,537.00 | $215,800 Land $47,400 Building $168,400 | $215,800 Land $47,400 Building $168,400 |
| 2023 | $201,300 Land $47,400 Building $153,900 | $201,300 Land $47,400 Building $153,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 431 Gilbert Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective June 20, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 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 431 Gilbert 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 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| Champlain Technology Group Fiber | 500 / 500 |
5G (outdoors only) and 4G LTE
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