Schoharie County and Cobleskill Town property record for 117 Harder Ave, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,470 sqft · built 1945 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,166 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 432601 68.5-2-34 |
| Primary APN | 432601 68.5-2-34 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,470 sqft Living Area |
| 1st Floor Area | 980 sqft |
| 2nd Floor Area | 490 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood |
| Lot Area | 14,375 sqft (0.33 acres) |
| Lot Dimensions | 206 ft deep x 70 ft wide |
| Garage Type | Detached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 408 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 431A100999 |
|---|---|
| Street Address | 117 HARDER AVE |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-4654 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | HOUSE GARAGE |
| Legal Block | 2 |
| Legal Lot Number | 34.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 5 |
| Census Block | 5012 |
| Census Tract | 740200 |
117 Harder Ave is owned and occupied by an individual.
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 File |
|---|---|
| Mailing Address | 117 HARDER AVE, COBLESKILL, NY 12043-4654 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 117 Harder Ave was $4,166 with exemptions applied, 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 | $4,166.00 (+5.18%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $3,961.00 | $67,900 Land $23,900 Building $44,000 | $138,571 Land $48,775 Building $89,796 |
| 2023 | $67,900 Land $23,900 Building $44,000 | $119,123 Land $41,930 Building $77,193 | |
| 2020 | $3,153.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 117 Harder Ave in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 2011.
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 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 |
|
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 117 Harder Ave 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.
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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