Schoharie County and Cobleskill Town property record for 104 Merchant Pl, Cobleskill, NY 12043
| Property Type | Bank, Financial Building |
|---|---|
| Details | 2,000 sqft · built 1998 |
| Lot Size | 0.79 acres (34,412 sqft) |
| Owner | Company Name on Record |
| Last Sale | $290,000 (May 1998) |
| Tax Bill | $13,499 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 432601 56.20-1-7.2 |
| Primary APN | 432601 56.20-1-7.2 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,000 sqft Gross Area |
| Fire Sprinklers | Fire Sprinklers |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Lot Area | 34,412 sqft (0.79 acres) |
| Lot Dimensions | 241 ft deep x 157 ft wide |
| Cooling System | Central |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 431A199003 |
|---|---|
| Street Address | 104 MERCHANT PL |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-5714 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Bank, Financial Building |
| Local Zoning Code | HB |
| Legal Block | 1 |
| Legal Lot Number | 7.002 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 740200 |
Source: Schoharie County and Cobleskill Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 5 SARNOWSKI DR, SCHENECTADY, NY 12302-3503 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 4, 1998 · Amount on Record |
| Deed Sale | May 4, 1998 · Amount on Record |
| Deed Book / Page | 632 / 62 |
| Record Updated | Oct 29, 2026 |
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 | $13,499.00 (+5.2%) | ||
| 2025 | $12,832.00 | $220,000 (-) Land $50,000 Building $170,000 | $448,980 (+16.33%) Land $102,041 Building $346,939 |
| 2023 | $220,000 (-) Land $50,000 Building $170,000 | $385,965 (+12.28%) Land $87,719 Building $298,246 | |
| 2022 | $220,000 Land $50,000 Building $170,000 | $343,750 Land $78,125 Building $265,625 | |
| 2020 | $12,037.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 3 (1996–2011) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
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: 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 21 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 |
| MIDTEL Fiber | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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