Schoharie County and Esperance Town property record for 676 Conover Rd, Esperance, NY 12066
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 2,784 sqft · built 2004 |
| Lot Size | 19 acres (827,640 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $645,000 (Aug 2021) |
| Tax Bill | $11,579 (2026) |
| Deeds & Mortgages | Nov 2021 Refinance Aug 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 433089 18.-2-10 |
| Primary APN | 433089 18.-2-10 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,784 sqft Living Area |
| 1st Floor Area | 1,392 sqft |
| 2nd Floor Area | 1,392 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 827,640 sqft (19 acres) |
| Lot Width | 1,300 ft Width |
| Garage Type | Mixed |
| Garage Area | 1,320 sqft |
| Parking Spaces | 6 Parking Spaces |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 452 sqft |
| Porch | Slab |
| Porch Area | 500 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 455J186011 |
|---|---|
| Street Address | 676 CONOVER RD |
| City | ESPERANCE |
| State | NY |
| Zip | 12066-3411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | AG-RES |
| Legal Block | 2 |
| Legal Lot Number | 10.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | ESPERANCE |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 740100 |
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 | 676 CONOVER RD, ESPERANCE, NY 12066-3411 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 1, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NBT BANK NATIONAL ASSOCIATION |
| Aug 24, 2021 | Deed, Transfer |
| Jan 29, 2021 | Deed of Trust, Mortgage · Line of Credit SUNMARK FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 24, 2021 · Amount on Record |
| Deed Sale | Aug 24, 2021 · Amount on Record |
| Prior Sale | Jul 18, 1997 · Amount on Record |
| Deed Document Number | 2021794970 |
| Deed Book / Page | 1145 / 134 |
| Prior Transfer Date | Jul 16, 1998 |
| Prior Transfer Doc | 0636000339 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 676 CONOVER RD, ESPERANCE, NY 12066-3411 |
| Transaction Type | Mortgage |
| Record Updated | Nov 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1961/114 |
|---|---|
| Date | Nov 1, 2021 |
| Book Page | 1961/114 |
| Instrument | 797936 |
| Name | NBT BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Aug 24, 2021 |
| Property Address | 676 CONOVER RD, ESPERANCE, NY 12066-3411 |
| Document Number | 1145/134 |
| Book / Page | 1145 / 134 |
| Instrument Date | Aug 17, 2021 |
| Instrument | 794970 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4985 SW 85TH ST, OCALA, FL 34476-2900 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 676 CONOVER RD, ESPERANCE, NY 12066-3411 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1915/261 |
|---|---|
| Date | Jan 29, 2021 |
| Book Page | 1915/261 |
| Instrument | 784133 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 1, 2041 |
| Rate Type | Adjustable Rate |
|---|
Source: Schoharie County and Esperance Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Esperance Town |
| Unified School District | Schoharie Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $11,579.00 (+3.88%) | ||
| 2025 | $11,147.00 (+214.53%) | $335,000 (+3.08%) Land $45,000 Building $290,000 | $540,323 (+10.41%) Land $72,581 Building $467,742 |
| 2023 | $325,000 (-2.99%) Land $45,000 Building $280,000 | $489,384 (+11.75%) Land $67,761 Building $421,623 | |
| 2022 | $335,000 Land $34,200 Building $300,800 | $437,908 Land $44,706 Building $393,202 | |
| 2021 | $3,544.00 (-60.79%) | ||
| 2020 | $9,039.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 15 (1996–2011) |
| Claims Outside the SFHA | 5 of 15 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| Claims by Event |
|
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.
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.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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