Schoharie County and Cobleskill Town property record for 109 Overlook Dr, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,427 sqft · built 1978 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $220,000 (Jul 2020) |
| Tax Bill | $8,897 (2026) |
| Deeds & Mortgages | Jun 2023 Mortgage Jul 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 432601 56.14-1-15 |
| Primary APN | 432601 56.14-1-15 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,427 sqft Living Area |
| 1st Floor Area | 1,307 sqft |
| 2nd Floor Area | 1,120 sqft |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 14,375 sqft (0.33 acres) |
| Lot Dimensions | 160 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 581 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 400 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 431A177097 |
|---|---|
| Street Address | 109 OVERLOOK DR |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-5125 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HSE/2 CAR GAR |
| Legal Block | 1 |
| Legal Lot Number | 15.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 1 |
| Census Block | 1021 |
| 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.
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 109 OVERLOOK DR, COBLESKILL, NY 12043-5125 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 6, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE |
| Jul 7, 2020 | Deed, Transfer · Stand-Alone First Mortgage HOMESTEAD FUNDING CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 7, 2020 · Amount on Record |
| Deed Sale | Jul 7, 2020 · Amount on Record |
| Deed Document Number | 2020776469 |
| Deed Book / Page | 1114 / 285 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 109 OVERLOOK DR, COBLESKILL, NY 12043-5125 |
| Transaction Type | Mortgage |
| Record Updated | Jun 27, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0002041/76 |
|---|---|
| Date | Jun 6, 2023 |
| Book Page | 2041/76 |
| Instrument | 821554 |
| Name | ROCKET MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Jul 7, 2020 |
| Property Address | 109 OVERLOOK DR, COBLESKILL, NY 12043-5125 |
| Document Number | 001114/285 |
| Book / Page | 1114 / 285 |
| Instrument Date | Jun 30, 2020 |
| Instrument | 776469 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 159 RED TRAIL RIDGE, COBLESKILL, NY 12043-4302 |
| Document Number | 001885/198 |
|---|---|
| Date | Jul 7, 2020 |
| Book Page | 1885/198 |
| Instrument | 776474 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
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 | $8,897.00 (+5.19%) | ||
| 2025 | $8,458.00 (+17.16%) | $145,000 (-) Land $21,100 Building $123,900 | $295,918 (+16.33%) Land $43,061 Building $252,857 |
| 2023 | $145,000 Land $21,100 Building $123,900 | $254,386 Land $37,018 Building $217,368 | |
| 2020 | $7,219.00 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 3 (1996–2011) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
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 163 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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