446 Junction Rd, Esperance, NY 12066 Property Records

Schoharie County and Esperance Town property record for 446 Junction Rd, Esperance, NY 12066 · Last verified May 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1.5 Baths
Year Built	Built 1986
Square Footage	2,332 sqft Living Area
Lot Size	87,120 sqft (2 acres)
Occupancy	Owner Occupied
Last Sale	$255,000 (2021)
Tax Bill	$6,920.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`433089 37.-3-13`
Alternative APNs	`308903700000030130000000` `455J184006`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Building Area	2,332 sqft Living Area
1st Floor	1,292 sqft 1st Floor
2nd Floor	1,040 sqft 2nd Floor
Stories	2 Stories

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Colonial Style
Exterior Material	Aluminum/Vinyl Exterior
Lot Area	87,120 sqft (2 acres)
Lot Width	195 ft Width
Parking Spaces	4 Parking Spaces
Garage Type	Mixed Garage
Garage Area	976 sqft Garage

Exterior Amenities

Pool Type	Above-Ground Pool Pool Type
Pool Area	452 sqft Pool
Shed	1 Shed
Porch Area	520 sqft Porch

Utilities and HVAC

Heating System	Hot Water Heating
Heating Fuel	Oil Heating Fuel
Sewage	Septic Sewage
Water Source	Well Water Source

Location & Zoning

Account Number	455J184006
Street Address	446 JUNCTION RD
City	ESPERANCE
State	NY
Zip	12066-3908
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	ALSO SEE 434/65 37-3-26 D&C W/THIS 3/99
Legal Block	3
Legal Lot Number	13.000
Jurisdiction	SCHOHARIE NY
Minor Civil Division	ESPERANCE
Census Blockgroup	1
Census Block	1033
Census Tract	740100

Owner

Source: Schoharie County and Esperance Town records · APN 433089 37.-3-13

Assessment roll updated May 14, 2026 · Last verified May 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 File
Mailing Address	PO BOX 46, ESPERANCE, NY 12066-0046
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 29, 2021 · Amount on Record
Deed Sale	Jun 29, 2021 · Amount on Record
Deed Doc Number	2021791593
Deed Book / Page	1141 / 249
Record Refreshed	Jun 08, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Jun 29, 2021
Property Address	446 JUNCTION RD, ESPERANCE, NY 12066
Document Number	001141/249
Book / Page	1141 / 249
Instrument Date	Jun 25, 2021
Instrument	791593
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	250 E FULTON ST, GLOVERSVILLE, NY 12078-3420

Mortgage

Document Number	0000791596
Date	Jun 29, 2021
Instrument	791596

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	Stand Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Schoharie County and Esperance Town records · Assessment roll updated May 14, 2026 · Last verified May 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,920.00 (+143.75%)	$200,000 (-) Land $15,000 Building $185,000	$322,581 (+7.11%) Land $24,194 Building $298,387
2023		$200,000 (-) Land $15,000 Building $185,000	$301,159 (+15.19%) Land $22,587 Building $278,572
2022		$200,000 Land $15,000 Building $185,000	$261,438 Land $19,608 Building $241,830
2021	$2,839.00 (-53.16%)
2020	$6,061.00

Flood & Wildfire

446 Junction Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Schoharie County (36095C), updated February 16, 2012

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 20th percentile of exposed land nationally · 55th in New York
Wildfire Likelihood	Low — about 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.