Schoharie County and Cobleskill Town property record for 104 Terra Hts, Cobleskill, NY 12043 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,224 sqft · built 1985 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on File |
| Last Sale | $588 (Oct 2022) |
| Tax Bill | $7,548 (2025) |
| Deeds & Mortgages | Jul 2023 Line of Credit Oct 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 432601 56.14-4-7 |
| Primary APN | 432601 56.14-4-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,224 sqft Living Area |
| 1st Floor Area | 1,704 sqft |
| Basement Area | 520 sqft |
| Finished Basement | 520 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 96.3 ft deep x 104 ft wide |
| Garage Type | Attached |
| Garage Area | 432 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Above-Ground Pool |
| Porch | Slab |
| Porch Area | 580 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 431A186027 |
|---|---|
| Street Address | 104 TERRA HTS |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-5090 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 4 |
| Legal Lot Number | 7.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 740200 |
Source: Schoharie County and Cobleskill Town records · APN 432601 56.14-4-7
Assessment roll updated May 14, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 104 TERRA HTS, COBLESKILL, NY 12043-5090 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 25, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU |
| Oct 26, 2022 | Quit Claim Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 26, 2022 · Amount on Record |
| Deed Sale | Oct 26, 2022 · Amount on Record |
| Prior Sale | Jul 01, 2016 · Amount on Record |
| Deed Document Number | 2022818986 |
| Deed Book / Page | 1177 / 19 |
| Prior Transfer Date | Oct 21, 2022 |
| Prior Transfer Doc | 0001177/19 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 104 TERRA HTS, COBLESKILL, NY 12043-5090 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2023 |
| Name | Verified Name |
|---|
| Document Number | 002046/140 |
|---|---|
| Date | Jul 25, 2023 |
| Book Page | 2046/140 |
| Instrument | 822051 |
| Name | FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Aug 01, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Oct 26, 2022 |
| Property Address | 104 TERRA HTS, COBLESKILL, NY 12043-5090 |
| Document Number | 0001177/19 |
| Book / Page | 1177 / 19 |
| Instrument Date | Oct 21, 2022 |
| Instrument | 818986 |
| Transaction Type | Transfer |
| Record Updated | Mar 21, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 104 TERRA HTS, COBLESKILL, NY 12043-5090 |
Source: Schoharie County and Cobleskill Town records · Assessment roll updated May 14, 2026 · Last verified August 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) |
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 | $7,548.00 (-16.03%) | $129,400 (-) Land $18,500 Building $110,900 | $264,082 (+16.33%) Land $37,755 Building $226,327 |
| 2023 | $129,400 Land $18,500 Building $110,900 | $227,018 Land $32,456 Building $194,562 | |
| 2020 | $8,989.00 |
Source: FEMA National Flood Hazard Layer, Schoharie County (36095C), updated February 16, 2012 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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; lenders make the official flood determination.
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