104 Union St, Cobleskill, NY 12043 Property Records

Schoharie County and Cobleskill Town property record for 104 Union St, Cobleskill, NY 12043

Property Summary

Property Type	Mixed Use Store/Office
Details	1,050 sqft · built 2016
Lot Size	0.05 acres (2,178 sqft)
Owner	Company Name on Record
Tax Bill	$4,429 (2026)
Deeds & Mortgages	Feb 2022 Refinance Mar 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`431A217009`

Property Details

APN / Parcel Number

Primary APN	`431A217009`
Alternative APN	`432601 56.18-7-20.12`

Interior

Stories	1 Story
Building Area	1,050 sqft Gross Area

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Lot Area	2,178 sqft (0.05 acres)
Lot Dimensions	83.8 ft deep x 24.1 ft wide

Utilities, Heating & Cooling

Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	431A217009
Street Address	104 UNION ST
City	COBLESKILL
State	NY
Zip	12043-3830
Property Category	Commercial
Property Type	Commercial > Retail > Mixed Use Store/Office
Local Zoning Code	R3
Legal Block	7
Legal Lot Number	20.012
Jurisdiction	SCHOHARIE NY
Township / Civil Division	COBLESKILL
Census Block Group	5
Census Block	5019
Census Tract	740200

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 Record	Company Name on Record
Mailing Address	332 MAIN ST, SCHOHARIE, NY 12157-3202
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance THE NATIONAL BANK OF COXSACKIE
Mar 30, 2017	Deed, Transfer KELLY MALLOY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 30, 2017
Transfer Doc	0000001041/000000011
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	104 UNION ST, COBLESKILL, NY 12043-3830
Transaction Type	Mortgage
Record Updated	Mar 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001982/965
Date	Feb 25, 2022
Book Page	1982/965
Instrument	806822

Lender

Name	THE NATIONAL BANK OF COXSACKIE
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Mar 30, 2017
Property Address	104 UNION ST, COBLESKILL, NY 12043-3830
Document Number	0000001041/0000000111
Book / Page	0000001041 / 0000000111
Instrument Date	Mar 30, 2017
Transaction Type	Transfer
Record Updated	Nov 19, 2022
Title Company	KELLY MALLOY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 DONATS BROW, COBLESKILL, NY 12043-5606

Tax Assessment & Valuation

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,429.00 (+8.47%)
2025	$4,083.00 (-10.66%)	$70,000 (-) Land $20,000 Building $50,000	$142,857 (+16.33%) Land $40,816 Building $102,041
2023		$70,000 Land $20,000 Building $50,000	$122,807 Land $35,088 Building $87,719
2020	$4,570.00

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 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 Record 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	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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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