Schoharie County and Cobleskill Town property record for 105 Elm St, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 3,126 sqft · built 1863 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on File |
| Last Sale | $397,250 (Jul 2021) |
| Tax Bill | $4,909 (2026) |
| Deeds & Mortgages | Sep 2026 Line of Credit Jul 2021 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 432601 68.5-3-9 |
| Primary APN | 432601 68.5-3-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 3,126 sqft Living Area |
| 1st Floor Area | 1,579 sqft |
| 2nd Floor Area | 1,547 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1863 |
|---|---|
| Effective Year Built | Effective 1863 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 123 ft deep x 89 ft wide |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 234 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 431A101034 |
|---|---|
| Street Address | 105 ELM ST |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-1000 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HOUSE & GAR |
| Legal Block | 3 |
| Legal Lot Number | 9.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 740200 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Cobleskill Historic District listed 1978 · 188 contributing resources · NRIS 78001910 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
105 Elm St is owned and occupied by an individual who bought it in July 2021.
Source: Schoharie County and Cobleskill Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 105 ELM ST, COBLESKILL, NY 12043-1000 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Sep 28, 2026 | Deed of Trust, Mortgage · Line of Credit BANK NATIONAL ASSOCIATION |
| Jul 14, 2021 | Warranty Deed, Transfer |
| Mar 19, 2020 | Warranty Deed, Transfer |
| Aug 21, 2018 | Quit Claim Deed, Transfer |
| May 14, 2018 | Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 14, 2021 · Amount on File |
| Deed Sale | Jul 14, 2021 · Amount on File |
| Prior Sale | Mar 19, 2020 · Amount on File |
| Deed Document Number | 2021792220 |
| Deed Book / Page | 1142 / 280 |
| Prior Transfer Date | Aug 7, 2018 |
| Prior Transfer Doc | 001075/125 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Sep 28, 2026 |
| Property Address | 105 ELM ST, COBLESKILL, NY 12043-1000 |
| Document Number | 0000833603 |
| Book / Page | 2167 / 109 |
| Instrument Date | Sep 28, 2026 |
| Instrument | 2026833603 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 105 ELM ST, COBLESKILL, NY 12043-1000 |
| Document Number | 0000833603, |
|---|---|
| Date | Sep 28, 2026 |
| Book Page | 2167/109 |
| Instrument | 2026833603 |
| Name | BANK NATIONAL ASSOCIATION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Jul 14, 2021 |
| Property Address | 105 ELM ST, COBLESKILL, NY 12043-1000 |
| Document Number | 001142/280 |
| Book / Page | 1142 / 280 |
| Instrument Date | Jul 6, 2021 |
| Instrument | 792220 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2001 PARKER LN, AUSTIN, TX 78741-3859 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Mar 19, 2020 |
| Property Address | 105 ELM ST, COBLESKILL, NY 12043-1000 |
| Document Number | 001110/201 |
| Book / Page | 1110 / 201 |
| Instrument Date | Feb 20, 2020 |
| Instrument | 774763 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2001 PARKER LN APT 131, 131, AUSTIN, TX 78741-3849 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Aug 21, 2018 |
| Property Address | 105 ELM ST, COBLESKILL, NY 12043-1000 |
| Document Number | 001075/125 |
| Book / Page | 1075 / 125 |
| Instrument Date | Aug 7, 2018 |
| Instrument | 000000748095 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 116 GOODRICH AVE, LEXINGTON, KY 40503-1912 |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | May 14, 2018 |
| Property Address | 105 ELM ST, COBLESKILL, NY 12043-1000 |
| Document Number | 001069/216 |
| Book / Page | 1069 / 216 |
| Instrument Date | May 13, 2018 |
| Instrument | 000000741117 |
| Transaction Type | Foreclosure |
| Record Updated | Sep 13, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4425, MIAMI, FL 33146 |
The 2026 property tax bill for 105 Elm St was $4,909, 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 | $4,909.00 (+5.21%) | ||
| 2025 | $4,666.00 | $80,000 Land $17,600 Building $62,400 | $163,265 Land $35,918 Building $127,347 |
| 2023 | $110,000 (-) Land $17,600 Building $92,400 | $192,982 (+12.28%) Land $30,877 Building $162,105 | |
| 2022 | $110,000 Land $17,600 Building $92,400 | $171,875 Land $27,500 Building $144,375 | |
| 2020 | $11,873.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 105 Elm St in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 5 (1996–2011) |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| 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 105 Elm 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 | 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 249 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 | 300 / 20 |
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