Schoharie County and Cobleskill Town property record for 109 Division St, Cobleskill, NY 12043
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 4 bd · 4 ba · 8,456 sqft · built 1954 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $10,535 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 432601 68.6-2-3 |
| Primary APN | 432601 68.6-2-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Units | 5 Units |
| Stories | 2 Stories |
| Building Area | 8,456 sqft Gross Area |
| 1st Floor Area | 2,500 sqft |
| Basement Area | 528 sqft |
| Unfinished Basement | 528 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Exterior Material | Wood |
| Lot Area | 4,356 sqft (0.1 acres) |
| Lot Dimensions | 110 ft deep x 65 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 210 sqft |
| Patio Area | 96 sqft |
| Canopy | 104 sqft |
| Total Buildings | 2 Buildings |
| Heating Fuel | Oil |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 431A101414 |
|---|---|
| Street Address | 109 DIVISION ST |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-4702 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Local Zoning Code | CB |
| Legal Description | HOUSE GRILL 2 APT |
| Legal Block | 2 |
| Legal Lot Number | 3.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 5 |
| Census Block | 5007 |
| Census Tract | 740200 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | PO BOX 100, SHARON SPRINGS, NY 13459-0100 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
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 | $10,535.00 (+57.59%) Homeowner's exemption | ||
| 2025 | $6,685.00 (-57.57%) | $114,600 (-) Land $5,800 Building $108,800 | $233,878 (+16.33%) Land $11,837 Building $222,041 |
| 2023 | $114,600 Land $5,800 Building $108,800 | $201,053 Land $10,175 Building $190,878 | |
| 2020 | $15,754.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
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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