457 Junction Rd, Esperance, NY 12066 Property Records

Schoharie County and Esperance Town property record for 457 Junction Rd, Esperance, NY 12066

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,872 sqft · built 1850
Lot Size	74.1 acres (3,227,796 sqft)
Owner	2 Individual Names on Record
Last Sale	$120,000 (Dec 2022)
Tax Bill	$6,710 (2026)
Deeds & Mortgages	Feb 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`433089 37.-3-11`

Property Details

APN / Parcel Number

Primary APN	`433089 37.-3-11`
Alternative APNs	`308903700000030110000000` `455J100258`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,872 sqft Living Area
1st Floor Area	1,152 sqft
2nd Floor Area	720 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	3,227,796 sqft (74.1 acres)
Lot Width	66 ft Width
Garage Type	Attached

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	452 sqft
Porch	Slab
Porch Area	884 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	455J100258
Street Address	457 JUNCTION RD
City	ESPERANCE
State	NY
Zip	12066-3909
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R1
Legal Block	3
Legal Lot Number	11.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	ESPERANCE
Census Block Group	1
Census Block	1049
Census Tract	740100

Owner

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 Individual Names on Record
Mailing Address	PO BOX 96, SLOANSVILLE, NY 12160-0096
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2022 · Amount on Record
Deed Sale	Dec 15, 2022 · Amount on Record
Prior Sale	Feb 2, 1999 · Amount on Record
Deed Document Number	2022819860
Deed Book / Page	1180 / 120
Prior Transfer Date	Nov 25, 2013
Prior Transfer Doc	0000000966/000000019
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	457 JUNCTION RD, ESPERANCE, NY 12066-3909
Transaction Type	Mortgage
Record Updated	Mar 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002143/222
Date	Feb 18, 2026
Book Page	2143/222
Instrument	831395

Lender

Name	BANK OF RICHMONDVILLE

Agreement

Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2046

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Schoharie County and Esperance Town assessment roll, as of May 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,710.00 (+4.01%) Homeowner's exemption
2025	$6,451.00 (+155.89%)	$177,600 (-) Land $70,000 Building $107,600	$286,452 (+7.11%) Land $112,903 Building $173,549
2023		$177,600 (-) Land $70,000 Building $107,600	$267,430 (+15.19%) Land $105,406 Building $162,024
2022		$177,600 Land $70,000 Building $107,600	$232,157 Land $91,503 Building $140,654
2021	$2,521.00 (-57.43%)
2020	$5,922.00

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

Flood

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 A, 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	Hurricane Irene, Aug 2011 · 7 claims Severe Storms And Flooding, Apr 2005 · 5 claims Flooding, Apr 1987 · 3 claims

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

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.

Internet Providers

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 · Fiber in parts of the area	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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