Schoharie County and Cobleskill Town property record for 120 Elm St, Cobleskill, NY 12043
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2 ba · 1,807 sqft · built 1890 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on File |
| Last Sale | $140,000 (Oct 2000) |
| Tax Bill | $9,554 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 432601 56.17-6-13 |
| Primary APN | 432601 56.17-6-13 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,807 sqft Total Area |
| 1st Floor Area | 1,056 sqft |
| 2nd Floor Area | 751 sqft |
| Upper Floors Area | 660 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 21,780 sqft (0.5 acres) |
| Lot Dimensions | 281 ft deep x 75 ft wide |
| Porch | Slab |
| Porch Area | 275 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 431A101191 |
|---|---|
| Street Address | 120 ELM ST |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-1013 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R1 |
| Legal Block | 6 |
| Legal Lot Number | 13.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 740200 |
120 Elm St, a duplex, is owned by an individual who acquired it in July 2016.
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 | PO BOX 746, COBLESKILL, NY 12043-0746 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 25, 2000 · Amount on File |
| Deed Sale | Oct 25, 2000 · Amount on File |
| Prior Sale | Aug 29, 1995 · Amount on File |
| Deed Book / Page | 683 / 236 |
| Last Transfer Date | Jul 7, 2016 |
| Transfer Doc | 0000001025/000000001 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 120 Elm St was $9,554, 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 | $9,554.00 (+5.2%) | ||
| 2025 | $9,082.00 | $155,700 Land $19,800 Building $135,900 | $317,755 Land $40,408 Building $277,347 |
| 2023 | $155,700 Land $19,800 Building $135,900 | $273,158 Land $34,737 Building $238,421 | |
| 2020 | $8,519.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 120 Elm St 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 |
| 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 120 Elm 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 | 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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