Schoharie County and Cobleskill Town property record for 108 Florence St, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,300 sqft · built 1870 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | Individual Name on File |
| Last Sale | $45,000 (Oct 1997) |
| Tax Bill | $4,024 (2026) |
| Deeds & Mortgages | Apr 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 432601 68.5-7-18.1 |
| Primary APN | 432601 68.5-7-18.1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,300 sqft Living Area |
| 1st Floor Area | 737 sqft |
| 2nd Floor Area | 563 sqft |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1870 |
| Architectural Style | Traditional |
| Exterior Material | Composition/Composite |
| Lot Area | 17,424 sqft (0.4 acres) |
| Lot Dimensions | 130 ft deep x 120 ft wide |
| Garage Type | Detached |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 164 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 431A100862 |
|---|---|
| Street Address | 108 FLORENCE ST |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-4626 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | HSE & BARN |
| Legal Block | 7 |
| Legal Lot Number | 18.001 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 5 |
| Census Block | 5017 |
| Census Tract | 740200 |
108 Florence St is owned and occupied by an individual who acquired it in April 2017.
Source: Schoharie County and Cobleskill Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 108 FLORENCE ST, COBLESKILL, NY 12043-4626 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 23, 1997 · Amount on File |
| Deed Sale | Oct 23, 1997 · Amount on File |
| Deed Book / Page | 623 / 92 |
| Last Transfer Date | Apr 24, 2017 |
| Transfer Doc | 0000001043/000000008 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Apr 26, 2017 |
| Property Address | 108 FLORENCE ST, COBLESKILL, NY 12043-4626 |
| Document Number | 0000001043/0000000089 |
| Book / Page | 0000001043 / 0000000089 |
| Instrument Date | Apr 24, 2017 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Title Company | NOT AVAILABLE, MICHAEL SHULTES |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 108 FLORENCE ST, COBLESKILL, NY 12043-4626 |
The 2026 property tax bill for 108 Florence St was $4,024, up 16.9% 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 | $4,024.00 (+16.94%) | ||
| 2025 | $3,441.00 | $59,000 Land $9,100 Building $49,900 | $120,408 Land $18,571 Building $101,837 |
| 2023 | $59,000 Land $9,100 Building $49,900 | $103,509 Land $15,965 Building $87,544 | |
| 2020 | $3,605.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 108 Florence 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 |
| Flood Insurance Cost | Premium on File 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 |
|
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 108 Florence 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 | None beyond ember reach |
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 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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