Schoharie County and Cobleskill Town property record for 107 Elm St, Cobleskill, NY 12043
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 3,043 sqft · built 1910 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $160,000 (Jan 2020) |
| Tax Bill | $10,819 (2026) |
| Deeds & Mortgages | Jan 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 432601 68.5-3-8 |
| Primary APN | 432601 68.5-3-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 3,043 sqft Total Area |
| 1st Floor Area | 1,357 sqft |
| 2nd Floor Area | 1,350 sqft |
| Upper Floors Area | 336 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 145 ft deep x 76 ft wide |
| Porch | Slab |
| Porch Area | 665 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 431A101430 |
|---|---|
| Street Address | 107 ELM ST |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-1000 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R1 |
| Legal Block | 3 |
| Legal Lot Number | 8.000 |
| 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.
107 Elm St, a duplex, is owned by an individual who bought it in January 2020.
Source: Schoharie County and Cobleskill Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 302 HALLENBECK RD, COBLESKILL, NY 12043-6408 |
| 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 6, 2020 · Amount on File |
| Deed Sale | Jan 6, 2020 · Amount on File |
| Prior Sale | Dec 20, 2006 · Amount on File |
| Deed Document Number | 2020771973 |
| Deed Book / Page | 1105 / 286 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Jan 6, 2020 |
| Property Address | 107 ELM ST, COBLESKILL, NY 12043-1000 |
| Document Number | 001105/286 |
| Book / Page | 1105 / 286 |
| Instrument Date | Dec 30, 2019 |
| Instrument | 771973 |
| Transaction Type | Transfer |
| Record Updated | Apr 17, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 302 HALLENBECK RD, COBLESKILL, NY 12043-6408 |
| Document Number | 0000771974 |
|---|---|
| Date | Jan 6, 2020 |
| Instrument | 771974 |
| Name | BANK OF RICHMONDVILLE |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Max Rate At Change | 1.75% |
| Index | 5-Year CMT |
| Document Number | 001105/286 |
|---|---|
| Date | Jan 6, 2020 |
| Book Page | 1105/286 |
| Instrument | 771973 |
| Name | BANK OF RICHMONDVILLE |
|---|
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Type Change Date | Jan 1, 2050 |
| Index | 5-Year CMT |
The 2026 property tax bill for 107 Elm St was $10,819, up 32.8% 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 | $10,819.00 (+32.83%) | ||
| 2025 | $8,145.00 | $128,000 Land $15,200 Building $112,800 | $261,224 Land $31,020 Building $230,204 |
| 2023 | $128,000 Land $15,200 Building $112,800 | $224,561 Land $26,667 Building $197,894 | |
| 2020 | $14,337.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 107 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 107 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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