889 Esperance Rd, Esperance, NY 12066 Property Records

Montgomery County and Charleston Town property record for 889 Esperance Rd, Esperance, NY 12066 · Last verified May 2026

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 2,485 sqft · built 2009
Lot Size	63.6 acres (2,770,416 sqft)
Owner	2 Individual Names on File
Last Sale	$72,000 (Jan 2006)
Tax Bill	$4,754 (2025)
Deeds & Mortgages	Dec 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`272400 136.-1-21`

Property Details

APN / Parcel Number

Primary APN	`272400 136.-1-21`
Alternative APNs	`240013600000010210000000` `0266`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,485 sqft Living Area
1st Floor Area	560 sqft
2nd Floor Area	1,925 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Lot Area	2,770,416 sqft (63.6 acres)
Lot Width	957 ft Width
Garage Type	Attached
Garage Area	1,400 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	690 sqft
Cabin	Cabin

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0266
Street Address	889 ESPERANCE RD
City	ESPERANCE
State	NY
Zip	12066-2303
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	WETLANDS
Legal Block	1
Legal Lot Number	21.000
Jurisdiction	MONTGOMERY NY
Township / Civil Division	CHARLESTON
Census Block Group	4
Census Block	4054
Census Tract	72800

Owner

Source: Montgomery County and Charleston Town records · APN 272400 136.-1-21

Assessment roll updated May 11, 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	2 Individual Names on File
Mailing Address	889 ESPERANCE RD, ESPERANCE, NY 12066-2303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 10, 2006 · Amount on Record
Deed Sale	Jan 10, 2006 · Amount on Record
Deed Book / Page	1358 / 159
Last Transfer Date	Sep 10, 2009
Record Updated	Jun 08, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NY
Property Address	889 ESPERANCE RD, ESPERANCE, NY 12066-2303
Transaction Type	Mortgage
Record Updated	Jan 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006500
Date	Dec 21, 2021
Instrument	2021-96500

Lender

Name	TRUSTCO BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	229 Months
Due	Jan 01, 2041

Tax Assessment & Valuation

Source: Montgomery County and Charleston Town records · Assessment roll updated May 11, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	New York
County	Montgomery County
County Subdivision	Charleston Town
Unified School District	Fonda-Fultonville 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	$4,754.00	$247,000 (-) Land $61,700 Building $185,300	$425,862 (+17.24%) Land $106,379 Building $319,483
2023		$247,000 Land $61,700 Building $185,300	$363,235 Land $90,735 Building $272,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Montgomery County (36057C), updated November 30, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360570728004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Nearby Flood Claims	2 (1980–1987)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 1987, tidal / storm surge, Flooding

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 10,000 per year
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, availability as of December 31, 2025 · Published October 2026 · based on 11 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Verizon	Fiber	980 / 880

Availability varies by address; speeds are provider-advertised maximums, not measured.