114 Rose St, Cobleskill, NY 12043 Property Records

Schoharie County and Cobleskill Town property record for 114 Rose St, Cobleskill, NY 12043

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,784 sqft · built 1935
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (Jan 2022)
Tax Bill	$6,386 (2026)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`432601 68.5-2-53`

Property Details

APN / Parcel Number

Primary APN	`432601 68.5-2-53`
Alternative APNs	`260106800500020530000000` `431A101156`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,784 sqft Living Area
1st Floor Area	1,160 sqft
2nd Floor Area	624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	130 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	315 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	439 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	431A101156
Street Address	114 ROSE ST
City	COBLESKILL
State	NY
Zip	12043-4668
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	HSE GARAGE ATT
Legal Block	2
Legal Lot Number	53.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	COBLESKILL
Census Block Group	5
Census Block	5012
Census Tract	740200

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	114 ROSE ST, COBLESKILL, NY 12043-4668
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2022 · Amount on Record
Deed Sale	Jan 18, 2022 · Amount on Record
Prior Sale	Feb 9, 2018 · Amount on Record
Deed Document Number	2022802601
Deed Book / Page	1155 / 162
Last Transfer Date	Jul 3, 2024
Transfer Doc	001215/211
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Jan 18, 2022
Property Address	114 ROSE ST, COBLESKILL, NY 12043-4668
Document Number	001155/162
Book / Page	1155 / 162
Instrument Date	Jan 3, 2022
Instrument	802601
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
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	Tenants by the Entirety
Address	845 ILLAHEE DR, FOX ISLAND, WA 98333-9728

Mortgage

Document Number	0000802602
Date	Jan 18, 2022
Instrument	802602

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

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	$6,386.00 (+9.48%)
2025	$5,833.00 (+6.62%)	$100,000 (-) Land $8,200 Building $91,800	$204,082 (+16.33%) Land $16,735 Building $187,347
2023		$100,000 Land $8,200 Building $91,800	$175,439 Land $14,386 Building $161,053
2020	$5,471.00

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

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
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	Remnants Of Tropical Storm Lee, Sep 2011 · 7 claims Hurricane Irene, Aug 2011 · 11 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

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