493 Junction Rd, Esperance, NY 12066 Property Records

Schoharie County and Esperance Town property record for 493 Junction Rd, Esperance, NY 12066

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,274 sqft · built 1990
Lot Size	3.39 acres (147,668 sqft)
Owner	Individual Name on File
Last Sale	$92,000 (Mar 2014)
Tax Bill	$3,211 (2026)
Deeds & Mortgages	Apr 2023 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`433089 37.-3-29`

Property Details

APN / Parcel Number

Primary APN	`433089 37.-3-29`
Alternative APNs	`308903700000030290000000` `455J186007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,274 sqft Living Area
1st Floor Area	1,274 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	147,668 sqft (3.39 acres)
Lot Width	421 ft Width
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Carport Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	264 sqft
Patio Area	50 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	455J186007
Street Address	493 JUNCTION RD
City	ESPERANCE
State	NY
Zip	12066-3909
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	R1
Legal Block	3
Legal Lot Number	29.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	ESPERANCE
Census Block Group	1
Census Block	1031
Census Tract	740100

Owner

493 Junction Rd, a mobile home, is owned and occupied by an individual who bought it in March 2014.

Source: Schoharie County and Esperance Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	493 JUNCTION RD, ESPERANCE, NY 12066-3909
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Oct 13, 2020	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Jun 22, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2014 · Amount on File
Deed Sale	Mar 26, 2014 · Amount on File
Prior Sale	Aug 15, 2003 · Amount on File
Deed Book / Page	972 / 79
Prior Transfer Date	Apr 4, 2008
Prior Transfer Doc	0000000858/000000017
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	493 JUNCTION RD, ESPERANCE, NY 12066-3909
Transaction Type	Mortgage
Record Updated	May 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002035/288
Date	Apr 17, 2023
Book Page	2035/288
Instrument	821095

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	253 Months
Due	May 1, 2044

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	493 JUNCTION RD, ESPERANCE, NY 12066-3909
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001898/190
Date	Oct 13, 2020
Book Page	1898/190
Instrument	780951

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	277 Months
Due	Nov 1, 2043

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	493 JUNCTION RD, ESPERANCE, NY 12066-3909
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001940/100
Date	Jun 22, 2021
Book Page	1940/100
Instrument	791318

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	277 Months
Due	Jul 1, 2044

Tax Assessment & Valuation

The 2026 property tax bill for 493 Junction Rd was $3,211, up 4% from the year before.

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	$3,211.00 (+3.98%)
2025	$3,088.00	$85,000 Land $18,000 Building $67,000	$137,097 Land $29,032 Building $108,065
2023		$85,000 (-) Land $18,000 Building $67,000	$127,993 (+15.19%) Land $27,104 Building $100,889
2022		$85,000 Land $18,000 Building $67,000	$111,111 Land $23,529 Building $87,582
2021	$1,206.00 (-61.69%)
2020	$3,148.00

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

Flood

FEMA maps place 493 Junction 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 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	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

Wildfire risk around 493 Junction 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	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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