Schoharie County and Cobleskill Town property record for 113 Rose St, Cobleskill, NY 12043
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 2 ba · 2,364 sqft · built 1880 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $158,000 (Dec 2009) |
| Tax Bill | $6,087 (2026) |
| Deeds & Mortgages | Jun 2007 Mortgage Jul 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 432601 68.5-1-10 |
| Primary APN | 432601 68.5-1-10 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,364 sqft Total Area |
| 1st Floor Area | 1,438 sqft |
| 2nd Floor Area | 926 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,148 sqft (0.21 acres) |
| Lot Dimensions | 149 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 215 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 431A100818 |
|---|---|
| Street Address | 113 ROSE ST |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-4672 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R3 |
| Legal Description | HSE & GARAGE |
| Legal Block | 1 |
| Legal Lot Number | 10.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 740200 |
113 Rose St, a duplex, is owned and occupied by two individuals who bought it in December 2009.
Source: Schoharie County and Cobleskill Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 113 ROSE ST, COBLESKILL, NY 12043-4672 |
| 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.
| Date | Document |
|---|---|
| Jun 26, 2007 | Deed of Trust, Mortgage NBT BANK NA |
| Jul 31, 2024 | Warranty Deed, Transfer · Stand-Alone First Mortgage COMMUNITY BANK NA |
| Dec 14, 2009 | Deed, Transfer M&T BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 14, 2009 · Amount on File |
| Deed Sale | Dec 14, 2009 · Amount on File |
| Prior Sale | Nov 9, 1998 · Amount on File |
| Deed Book / Page | 891 / 175 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 113 ROSE ST, COBLESKILL, NY 12043-4672 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000001253/0000000296 |
|---|---|
| Date | Jun 26, 2007 |
| Book Page | 0000001253/0000000296 |
| Instrument | 0000471716 |
| Name | NBT BANK NA |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Jul 31, 2024 |
| Property Address | 113 ROSE ST, COBLESKILL, NY 12043-4672 |
| Document Number | 001216/263 |
| Book / Page | 1216 / 263 |
| Instrument Date | Jul 24, 2024 |
| Instrument | 825899 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | MISC COMPANY |
| Amount | Amount on Record |
|---|---|
| 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 |
|---|---|
| Address | 1781 SHERWOOD RD APT 2, 2, SCHENECTADY, NY 12303-2644 |
| Document Number | 0000825900 |
|---|---|
| Date | Jul 31, 2024 |
| Instrument | 825900 |
| Name | COMMUNITY BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2054 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Dec 14, 2009 |
| Property Address | 113 ROSE ST, COBLESKILL, NY 12043-4672 |
| Document Number | 0000000891/0000000175 |
| Book / Page | 0000000891 / 0000000175 |
| Instrument Date | Dec 4, 2009 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Title Company | MEEGAN BOND |
| Amount | Amount on Record |
|---|---|
| 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 |
|---|---|
| Address | 113 ROSE ST, COBLESKILL, NY 12043-4672 |
| Document Number | 0000001404/0000000143 |
|---|---|
| Date | Dec 14, 2009 |
| Book Page | 0000001404/0000000143 |
| Instrument | 0000515051 |
| Name | M&T BANK NA |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 337 Months |
| Due | Jan 1, 2038 |
The 2026 property tax bill for 113 Rose St was $6,087, up 5.2% 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 | $6,087.00 (+5.2%) | ||
| 2025 | $5,786.00 | $99,200 Land $9,400 Building $89,800 | $202,449 Land $19,184 Building $183,265 |
| 2023 | $99,200 Land $9,400 Building $89,800 | $174,035 Land $16,491 Building $157,544 | |
| 2020 | $4,301.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 113 Rose St 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 |
|
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 113 Rose 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 | 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.
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 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 |
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