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102 Florence St, Cobleskill, NY 12043 Property Records

Schoharie County and Cobleskill Town property record for 102 Florence St, Cobleskill, NY 12043

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,330 sqft · built 1920
Lot Size0.1 acres (4,356 sqft)
OwnerIndividual Name on Record
Last Sale$60,000 (Jul 1998)
Tax Bill$3,737 (2026)
Deeds & MortgagesMar 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN432601 68.5-7-15

Property Details

APN / Parcel Number

Primary APN432601 68.5-7-15
Alternative APNs
  • 260106800500070150000000
  • 431A100674

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories2 Stories
Building Area1,330 sqft Living Area
1st Floor Area660 sqft
2nd Floor Area670 sqft

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1920
Architectural StyleColonial
Exterior MaterialAluminum/Vinyl
Lot Area4,356 sqft (0.1 acres)
Lot Dimensions115 ft deep x 40 ft wide
Garage TypeDetached
Garage Area216 sqft
Parking Spaces1 Parking Space
PorchSlab
Porch Area176 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelOil
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number431A100674
Street Address102 FLORENCE ST
CityCOBLESKILL
StateNY
Zip12043-4626
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR3
Legal DescriptionHSE & GAR
Legal Block7
Legal Lot Number15.000
JurisdictionSCHOHARIE NY
Township / Civil DivisionCOBLESKILL
Census Block Group5
Census Block5017
Census Tract740200

Owner

Source: Schoharie County and Cobleskill 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 RecordIndividual Name on Record
Mailing Address102 FLORENCE ST, COBLESKILL, NY 12043-4626
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 14, 1998 · Amount on Record
Deed SaleJul 14, 1998 · Amount on Record
Deed Book / Page636 / 234
Last Transfer DateOct 19, 2016
Transfer Doc0000001033/000000006
Record UpdatedOct 29, 2026

March 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHOHARIE NY
Property Address102 FLORENCE ST, COBLESKILL, NY 12043-4626
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000001751/0000000226
DateMar 1, 2017
Book Page0000001751/0000000226
Instrument000000714024
Lender
NameCAPITAL COMMUNICATIONS FCU
TypeCredit Union
Agreement
AmountAmount Recorded
Term178 Months
DueJan 1, 2032

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew York
CountySchoharie County
County SubdivisionCobleskill Town
MunicipalityCobleskill Village
Unified School DistrictCobleskill-Richmondville Central School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$3,737.00 (+12.53%) Homeowner's exemption
2025$3,321.00 (+32.15%)$56,200 (-) Land $7,500 Building $48,700$114,694 (+16.33%) Land $15,306 Building $99,388
2023$56,200 Land $7,500 Building $48,700$98,596 Land $13,158 Building $85,438
2020$2,513.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective February 16, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 11 policies
Nearby Flood Policies11 in force
Nearby Flood Claims19 (2011–2013)
Most Recent ClaimJun 2013 · other causes
Claims by Event
  • Remnants Of Tropical Storm Lee, Sep 2011 · 7 claims
  • Hurricane Irene, Aug 2011 · 11 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 RiskLow
lower than 80% of the US · above 54% of New York
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemCOBLESKILL VILLAGE
serves 4,678 people · EPA ID NY4700094
Water SourceSurface water
Last State InspectionOct 2023
Lead3 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityTurbidity
resolved · Aug 2024
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 362 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless · Fiber in parts of the area		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: MIDTEL.

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