109 Jefferson Ave, Cobleskill, NY 12043 Property Records

Schoharie County and Cobleskill Town property record for 109 Jefferson Ave, Cobleskill, NY 12043

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,890 sqft · built 1949
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on File
Last Sale	$190,500 (Sep 2023)
Tax Bill	$5,925 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`432601 67.8-2-36`

Property Details

APN / Parcel Number

Primary APN	`432601 67.8-2-36`
Alternative APNs	`260106700800020360000000` `431A101205`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,890 sqft Living Area
1st Floor Area	1,252 sqft
2nd Floor Area	638 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	143 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	220 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	431A101205
Street Address	109 JEFFERSON AVE
City	COBLESKILL
State	NY
Zip	12043-1559
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HOUSE GAR ATT
Legal Block	2
Legal Lot Number	36.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	COBLESKILL
Census Block Group	3
Census Block	3005
Census Tract	740200

Owner

109 Jefferson Ave is owned and occupied by two individuals who bought it in September 2023.

Source: Schoharie County and Cobleskill Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	109 JEFFERSON AVE, COBLESKILL, NY 12043-1559
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2023 · Amount on File
Deed Sale	Sep 19, 2023 · Amount on File
Prior Sale	Apr 7, 2016 · Amount on File
Deed Document Number	2023822667
Deed Book / Page	1197 / 183
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Sep 19, 2023
Property Address	109 JEFFERSON AVE, COBLESKILL, NY 12043-1559
Document Number	001197/183
Book / Page	1197 / 183
Instrument Date	Sep 15, 2023
Instrument	822667
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	107 WALHALLA RD, MIDDLEBURGH, NY 12122-4001

Mortgage

Document Number	0000822668
Date	Sep 19, 2023
Instrument	822668

Lender

Name	1ST PRIORITY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 109 Jefferson Ave was $5,925, up 15% from the year before.

Source: Schoharie County and Cobleskill Town assessment roll, as of May 14, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,925.00 (+15.05%)
2025	$5,150.00	$88,300 Land $8,100 Building $80,200	$180,204 Land $16,531 Building $163,673
2023		$88,300 (-) Land $8,100 Building $80,200	$154,912 (+12.28%) Land $14,211 Building $140,701
2022		$88,300 Land $8,100 Building $80,200	$137,969 Land $12,656 Building $125,313
2020	$4,831.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 109 Jefferson Ave in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1996.

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
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	Hurricane Irene, Aug 2011 · 2 claims

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

Wildfire risk around 109 Jefferson Ave 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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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