115 Mallard Ln, Cobleskill, NY 12043 Property Records

Schoharie County and Cobleskill Town property record for 115 Mallard Ln, Cobleskill, NY 12043

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,450 sqft · built 1870
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Jan 2021)
Tax Bill	$7,363 (2026)
Deeds & Mortgages	Jan 2026 Mortgage Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`432601 68.5-7-32`

Property Details

APN / Parcel Number

Primary APN	`432601 68.5-7-32`
Alternative APNs	`260106800500070320000000` `431A101405`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,450 sqft Living Area
1st Floor Area	725 sqft
2nd Floor Area	725 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	148 ft deep x 63 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	218 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	431A101405
Street Address	115 MALLARD LN
City	COBLESKILL
State	NY
Zip	12043-1545
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Block	7
Legal Lot Number	32.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	COBLESKILL
Census Block Group	5
Census Block	5017
Census Tract	740200

Owner

115 Mallard Ln is owned and occupied by an individual who bought it in January 2021.

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

Owner of Record	Individual Name on File
Mailing Address	115 MALLARD LN, COBLESKILL, NY 12043-1545
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

Date	Document
Jan 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 11, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage HOMEOWNERS ADVANTAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 11, 2021 · Amount on File
Deed Sale	Jan 11, 2021 · Amount on File
Prior Sale	Dec 9, 2010 · Amount on File
Deed Document Number	2021783542
Deed Book / Page	1129 / 65
Prior Transfer Date	Jul 19, 2004
Prior Transfer Doc	0766000179
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	115 MALLARD LN, COBLESKILL, NY 12043-1545
Transaction Type	Mortgage
Record Updated	Jan 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002140/26
Date	Jan 7, 2026
Book Page	2140/26
Instrument	830964

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Jan 11, 2021
Property Address	115 MALLARD LN, COBLESKILL, NY 12043-1545
Document Number	0001129/65
Book / Page	1129 / 65
Instrument Date	Nov 17, 2020
Instrument	783542
Transaction Type	Transfer
Record Updated	Sep 21, 2023
Title Company	MISC COMPANY

Transaction

Amount	Amount 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
Address	1744 BROADWAY, SCHENECTADY, NY 12306-4929

Mortgage

Document Number	0000783543
Date	Jan 11, 2021
Instrument	783543

Lender

Name	HOMEOWNERS ADVANTAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 115 Mallard Ln was $7,363, up 40.2% 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	$7,363.00 (+40.25%)
2025	$5,250.00	$90,000 Land $8,300 Building $81,700	$183,673 Land $16,939 Building $166,734
2023		$90,000 (-) Land $8,300 Building $81,700	$157,895 (+12.28%) Land $14,561 Building $143,334
2022		$90,000 Land $8,300 Building $81,700	$140,625 Land $12,969 Building $127,656
2020	$2,188.00

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

Flood

FEMA maps place 115 Mallard Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 115 Mallard Ln 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	Direct 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 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 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: MIDTEL.

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