Schoharie County and Cobleskill Town property record for 104 Florence St, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,280 sqft · built 1870 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,577 (2026) |
| Deeds & Mortgages | Sep 2026 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 432601 68.5-7-16 |
| Primary APN | 432601 68.5-7-16 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,280 sqft Living Area |
| 1st Floor Area | 640 sqft |
| 2nd Floor Area | 640 sqft |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1870 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,356 sqft (0.1 acres) |
| Lot Dimensions | 130 ft deep x 40 ft wide |
| Porch | Slab |
| Porch Area | 126 sqft |
| Canopy | 112 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 431A100745 |
|---|---|
| Street Address | 104 FLORENCE ST |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-4626 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | HOUSE ALSO DEED 608 PG 249 |
| Legal Block | 7 |
| Legal Lot Number | 16.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 5 |
| Census Block | 5017 |
| Census Tract | 740200 |
104 Florence St is owned by an individual who acquired it in September 2026.
Source: Schoharie County and Cobleskill Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 113 MADISON TER, COBLESKILL, NY 12043-1551 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 7, 1997 |
| Deed Sale | Jan 7, 1997 |
| Prior Sale | Jul 11, 1996 · Amount on File |
| Deed Book / Page | 608 / 249 |
| Last Transfer Date | Sep 1, 2026 |
| Transfer Doc | 0000833435 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Sep 16, 2026 |
| Property Address | 104 FLORENCE ST, COBLESKILL, NY 12043-4626 |
| Document Number | 0000833435 |
| Book / Page | 1263 / 169 |
| Instrument Date | Sep 1, 2026 |
| Instrument | 2026833435 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 113 MADISON TER, COBLESKILL, NY 12043-1551 |
The 2026 property tax bill for 104 Florence St was $2,577, up 5.2% from the year before.
Source: Schoharie County and Cobleskill Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Cobleskill Town |
| Municipality | Cobleskill Village |
| Unified School District | Cobleskill-Richmondville Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,577.00 (+5.18%) | ||
| 2025 | $2,450.00 | $42,000 Land $7,600 Building $34,400 | $85,714 Land $15,510 Building $70,204 |
| 2023 | $42,000 Land $7,600 Building $34,400 | $73,684 Land $13,333 Building $60,351 | |
| 2020 | $2,298.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 104 Florence St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 19 (2011–2013) |
| Most Recent Claim | Jun 2013 · other causes |
| 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.
Wildfire risk around 104 Florence St is low, with a 0.01% annual chance of 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | COBLESKILL VILLAGE serves 4,678 people · EPA ID NY4700094 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2023 |
| Lead | 3 ppb (2021–2023) action level 15 ppb |
| Water Quality | Turbidity resolved · Aug 2024 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 362 locations within half a mile, as of December 31, 2025
| Provider | Max 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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