554 Bearkill Rd, Gilboa, NY 12076 Property Records

Schoharie County and Conesville Town property record for 554 Bearkill Rd, Gilboa, NY 12076

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,224 sqft · built 1989
Lot Size	2.25 acres (98,010 sqft)
Owner	Individual Name on File
Tax Bill	$3,116 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Jun 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`432800 203.-1-21.21`

Property Details

APN / Parcel Number

Primary APN	`432800 203.-1-21.21`
Alternative APNs	`280020300000010210210000` `445J193006`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,224 sqft Living Area
1st Floor Area	1,224 sqft
Basement Area	550 sqft
Finished Basement	550 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	98,010 sqft (2.25 acres)
Lot Width	130 ft Width
Garage Type	Carport
Garage Area	360 sqft
Carport	Carport
Carport Area	360 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	445J193006
Street Address	554 BEARKILL RD
City	GILBOA
State	NY
Zip	12076-3518
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	21.021
Jurisdiction	SCHOHARIE NY
Township / Civil Division	CONESVILLE
Census Block Group	4
Census Block	4003
Census Tract	740800

Owner

Source: Schoharie County and Conesville Town records · APN 432800 203.-1-21.21

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	Individual Name on File
Mailing Address	554 BEARKILL RD, GILBOA, NY 12076-3518
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2024	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE
Jun 29, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE
Sep 29, 2017	Deed of Trust, Mortgage NY STATE AFFORDABLE HOUSING

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Jun 08, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	554 BEARKILL RD, GILBOA, NY 12076-3518
Transaction Type	Mortgage
Record Updated	Mar 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002068/135
Date	Feb 22, 2024
Book Page	2068/135
Instrument	824365

Lender

Name	ROCKET MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2054

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	554 BEARKILL RD, GILBOA, NY 12076-3518
Transaction Type	Mortgage
Record Updated	Jul 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002001/270
Date	Jun 29, 2022
Book Page	2001/270
Instrument	812997

Lender

Name	ROCKET MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2052

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	554 BEARKILL RD, GILBOA, NY 12076-3518
Transaction Type	Mortgage
Record Updated	Oct 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 000000726134
Date	Sep 29, 2017
Book Page	0000001775/0000000088
Instrument	000000726134

Lender

Name	NY STATE AFFORDABLE HOUSING

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Schoharie County
County Subdivision	Conesville Town
Unified School District	Gilboa-Conesville 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	$3,116.00 (+85.59%)	$167,300 (+25.6%) Land $27,300 Building $140,000	$174,271 (+24.29%) Land $28,438 Building $145,833
2023		$133,200 (+25.19%) Land $27,300 Building $105,900	$140,211 (+14.65%) Land $28,737 Building $111,474
2022		$106,400 Land $24,900 Building $81,500	$122,299 Land $28,621 Building $93,678
2021	$1,679.00 (-35.17%)
2020	$2,590.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 16, 2012 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	4 (2011)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 4 claims

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
MTC Cable Fiber	1,000 / 1,000

Based on FCC filings for 3 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

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