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115 Madison Ter, Cobleskill, NY 12043 Property Records

Schoharie County and Cobleskill Town property record for 115 Madison Ter, Cobleskill, NY 12043

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,496 sqft · built 1949
Lot Size0.2 acres (8,712 sqft)
OwnerIndividual Name on Record
Last Sale$75,000 (Nov 2023)
Tax Bill$8,669 (2026)
Deeds & MortgagesOct 2024 Sale & Refinance
Mar 2021 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN432601 67.8-2-26

Property Details

APN / Parcel Number

Primary APN432601 67.8-2-26
Alternative APNs
  • 260106700800020260000000
  • 431A101334

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,496 sqft Living Area
1st Floor Area638 sqft
2nd Floor Area858 sqft

Exterior

Year BuiltBuilt 1949
Effective Year BuiltEffective 1949
Architectural StyleColonial
Exterior MaterialAluminum/Vinyl
Lot Area8,712 sqft (0.2 acres)
Lot Dimensions122 ft deep x 62 ft wide
Garage TypeAttached
Garage Area220 sqft
Parking Spaces1 Parking Space
PorchPorch
Porch Area88 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelOil
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number431A101334
Street Address115 MADISON TER
CityCOBLESKILL
StateNY
Zip12043-1551
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionHSE GARAGE ATT
Legal Block2
Legal Lot Number26.000
JurisdictionSCHOHARIE NY
Township / Civil DivisionCOBLESKILL
Census Block Group3
Census Block3006
Census Tract740200

Owner

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 RecordIndividual Name on Record
Mailing Address115 MADISON TER, COBLESKILL, NY 12043-1551
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 31, 2024Deed, Transfer · Stand-Alone Refinance
MID HUDSON VALLEY FCU
Mar 24, 2021Deed of Trust, Mortgage · Stand-Alone First Mortgage
SECRETARY HOUSING URBAN DEVELOPMENT
Nov 29, 2023Executor's Deed, Transfer
Mar 24, 2021Warranty Deed, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 29, 2023 · Amount on Record
Deed SaleNov 29, 2023 · Amount on Record
Prior SaleMar 24, 2021 · Amount on Record
Deed Document Number2023823488
Deed Book / Page1202 / 107
Last Transfer DateDec 12, 2024
Transfer Doc0000827235
Record UpdatedOct 29, 2026

October 2024: Deed, Transfer

Document TypeDeed
JurisdictionSCHOHARIE NY
Recording DateOct 31, 2024
Property Address115 MADISON TER, COBLESKILL, NY 12043-1551
Document Number001222/243
Book / Page1222 / 243
Instrument DateSep 30, 2024
Instrument826828
Transaction TypeTransfer
Record UpdatedApr 16, 2026

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1379 SAWKILL RD, KINGSTON, NY 12401-7901

Mortgage

Document Number0002095/94
DateOct 31, 2024
Book Page2095/94
Instrument826829
Lender
NameMID HUDSON VALLEY FCU
TypeCredit Union
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term361 Months
DueNov 1, 2054

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHOHARIE NY
Property Address115 MADISON TER, COBLESKILL, NY 12043-1551
Transaction TypeMortgage
Record UpdatedMar 19, 2024
Title CompanyCAPITAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number001924/254
DateMar 24, 2021
Book Page1924/254
Instrument785804
Lender
NameSECRETARY HOUSING URBAN DEVELOPMENT
TypeGovernment Agency
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

November 2023: Executor's Deed, Transfer

Document TypeExecutor's Deed
JurisdictionSCHOHARIE NY
Recording DateNov 29, 2023
Property Address115 MADISON TER, COBLESKILL, NY 12043-1551
Document Number001202/107
Book / Page1202 / 107
Instrument DateNov 22, 2023
Instrument823488
Transaction TypeTransfer
Record UpdatedMar 19, 2024

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address196 JERSEY LN, COBLESKILL, NY 12043-7614

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHOHARIE NY
Recording DateMar 24, 2021
Property Address115 MADISON TER, COBLESKILL, NY 12043-1551
Document Number001133/226
Book / Page1133 / 226
Instrument DateMar 8, 2021
Instrument785801
Transaction TypeTransfer
Record UpdatedMay 12, 2022

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address168 DOVE ST, ALBANY, NY 12202-1329

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew York
CountySchoharie County
County SubdivisionCobleskill Town
MunicipalityCobleskill Village
Unified School DistrictCobleskill-Richmondville Central School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$8,669.00 (+73.62%)
2025$4,993.00 (+6.62%)$137,200 (+60.28%) Land $8,300 Building $128,900$280,000 (+86.45%) Land $16,939 Building $263,061
2023$85,600 Land $8,300 Building $77,300$150,175 Land $14,561 Building $135,614
2020$4,683.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective February 16, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies4 in force
Nearby Flood Claims5 (1996–2011)
Most Recent ClaimAug 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 54% of New York
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation

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 SystemCOBLESKILL VILLAGE
serves 4,678 people · EPA ID NY4700094
Water SourceSurface water
Last State InspectionOct 2023
Lead3 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityTurbidity
resolved · Aug 2024
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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