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107 Settles Mountain Rd, Cobleskill, NY 12043 Property Records

Schoharie County and Cobleskill Town property record for 107 Settles Mountain Rd, Cobleskill, NY 12043 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,522 sqft · built 1920
Lot Size0.71 acres (30,928 sqft)
Owner2 Individual Names on File
Last Sale$55,000 (Jan 2003)
Tax Bill$3,500 (2025)
Deeds & MortgagesNov 2025 Mortgage
May 2022 Refinance
Flood ZoneZone X (minimal risk)
APN432601 67.8-1-3.2

Property Details

APN / Parcel Number

Primary APN432601 67.8-1-3.2
Alternative APNs
  • 260106700800010030020000
  • 431A195007

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories2 Stories
Building Area1,522 sqft Living Area
1st Floor Area770 sqft
2nd Floor Area752 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1920
Architectural StyleTraditional
Exterior MaterialAluminum/Vinyl
Lot Area30,928 sqft (0.71 acres)
Lot Dimensions105 ft deep x 236 ft wide
PorchPorch
Porch Area144 sqft

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil
SewerSeptic
Water SourceCommercial

Location & Zoning

Account Number431A195007
Street Address107 SETTLES MOUNTAIN RD
CityCOBLESKILL
StateNY
Zip12043
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Block1
Legal Lot Number3.002
JurisdictionSCHOHARIE NY
Township / Civil DivisionCOBLESKILL
Census Block Group3
Census Block3011
Census Tract740200

Owner

Source: Schoharie County and Cobleskill Town records · APN 432601 67.8-1-3.2

Assessment roll updated May 14, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing AddressPO BOX 307, COBLESKILL, NY 12043-0307
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 18, 2025Deed of Trust, Mortgage · Closed-End Mortgage
BANK OF RICHMONDVILLE
May 16, 2022Deed of Trust, Mortgage · Stand-Alone Refinance
CITIZENS BANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 27, 2003 · Amount on Record
Deed SaleJan 27, 2003 · Amount on Record
Deed Book / Page731 / 47
Record UpdatedJun 08, 2026

November 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHOHARIE NY
Property Address107 SETTLES MOUNTAIN RD, COBLESKILL, NY 12043
Transaction TypeMortgage
Record UpdatedDec 10, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number002135/125
DateNov 18, 2025
Book Page2135/125
Instrument830497
Lender
NameBANK OF RICHMONDVILLE
Agreement
TypeClosed-End Mortgage
AmountAmount Recorded
Term241 Months
DueDec 01, 2045
Interest
Rate TypeAdjustable Rate

May 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHOHARIE NY
Property Address107 SETTLES MOUNTAIN RD, COBLESKILL, NY 12043
Transaction TypeMortgage
Record UpdatedJun 07, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0001995/91
DateMay 16, 2022
Book Page1995/91
Instrument810432
Lender
NameCITIZENS BANK
TypeBank
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term181 Months
DueJun 01, 2037

Tax Assessment & Valuation

Source: Schoharie County and Cobleskill Town records · Assessment roll updated May 14, 2026 · Last verified May 2026

Property Jurisdictions

TypeName
StateNew York
CountySchoharie County
County SubdivisionCobleskill Town
MunicipalityCobleskill Village
Unified School DistrictCobleskill-Richmondville Central School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$3,500.00 (+28.63%)$60,000 (-) Land $6,000 Building $54,000$122,449 (+16.33%) Land $12,245 Building $110,204
2023$60,000 Land $6,000 Building $54,000$105,263 Land $10,526 Building $94,737
2020$2,721.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schoharie County (36095C), updated February 16, 2012 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360957402003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies4 in force
Nearby Flood Claims5 (1996–2011)
Most Recent ClaimAug 2011, rainfall accumulation, Hurricane Irene
Claims By Storm
  • Hurricane Irene, Aug 2011 · 2 claims

Wildfire

Wildfire RiskLow
above 20% of the US · above 55% of New York
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 26 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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