658 Back Rd, Gilboa, NY 12076 Property Records

Schoharie County and Gilboa Town property record for 658 Back Rd, Gilboa, NY 12076

Property Summary

Property Type	Seasonal / Vacation Home
Lot Size	1.26 acres (54,886 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Oct 2021)
Tax Bill	$646 (2026)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`433400 193.-4-17`

Property Details

APN / Parcel Number

Primary APN	`433400 193.-4-17`
Alternative APNs	`340019300000040170000000` `475J188007`

Exterior

Lot Area	54,886 sqft (1.26 acres)
Lot Width	219 ft Width
Shed	1 Shed

Location & Zoning

Account Number	475J188007
Street Address	658 BACK RD
City	GILBOA
State	NY
Zip	12076-2148
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Block	4
Legal Lot Number	17.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	GILBOA
Census Block Group	1
Census Block	1068
Census Tract	740800

Owner

Source: Schoharie County and Gilboa 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	Individual Name on Record
Mailing Address	3821 PARK AVE, SEAFORD, NY 11783-2332
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2024	Deed, Transfer · Stand-Alone First Mortgage HOMESTEAD FUNDING CORP
Oct 19, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage PRIMELENDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2021 · Amount on Record
Deed Sale	Oct 19, 2021 · Amount on Record
Deed Document Number	2021797219
Deed Book / Page	1149 / 66
Record Updated	Oct 29, 2026

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Jan 12, 2024
Property Address	658 BACK RD, GILBOA, NY 12076-2148
Document Number	0001205/33
Book / Page	1205 / 33
Instrument Date	Jan 4, 2024
Instrument	823966
Transaction Type	Transfer
Record Updated	Jan 30, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3821 PARK AVE, SEAFORD, NY 11783-2332
Investor	Possibly a Property Investor

Mortgage

Document Number	0000823967
Date	Jan 12, 2024
Instrument	823967

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	7.24%
Type Change Date	Feb 1, 2029
Max Rate At Change	3%
Index	Other
Margin	3

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Oct 19, 2021
Property Address	658 BACK RD, GILBOA, NY 12076-2148
Document Number	1149/66
Book / Page	1149 / 66
Instrument Date	Oct 5, 2021
Instrument	797219
Transaction Type	Transfer
Record Updated	Nov 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	326 N MONTGOMERY ST, NEWBURGH, NY 12550-3642

Mortgage

Document Number	797221
Date	Oct 19, 2021
Instrument	797221

Lender

Name	PRIMELENDING

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Schoharie County and Gilboa Town assessment roll, as of May 14, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$646.00 (-1.52%)
2025	$656.00 (+78.75%)	$600 (-) Land $200 Building $400	$38,961 (+6.49%) Land $12,987 Building $25,974
2023		$600 (-) Land $200 Building $400	$36,585 (+6.1%) Land $12,195 Building $24,390
2022		$600 Land $200 Building $400	$34,483 Land $11,494 Building $22,989
2021	$367.00 (-47.57%)
2020	$700.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	5 (1980–2011)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Severe Storms And Flooding, Jan 1996 · 2 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
MIDTEL Fiber	500 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

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