Schoharie County and Cobleskill Town property record for 128 Dow St, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,388 sqft · built 1990 |
| Lot Size | 5.36 acres (233,482 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $11,670 (2026) |
| Deeds & Mortgages | Jun 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 432689 69.-1-12.2 |
| Primary APN | 432689 69.-1-12.2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,388 sqft Living Area |
| 1st Floor Area | 1,960 sqft |
| 2nd Floor Area | 1,428 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Contemporary |
| Exterior Material | Wood |
| Lot Area | 233,482 sqft (5.36 acres) |
| Lot Width | 300 ft Width |
| Garage Type | Attached |
| Garage Area | 644 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
| Porch | Slab |
| Porch Area | 1,211 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 435J202007 |
|---|---|
| Street Address | 128 DOW ST |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-5500 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | HOUSE & GARAGE |
| Legal Block | 1 |
| Legal Lot Number | 12.002 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 740200 |
128 Dow St is owned and occupied by two individuals who acquired it in June 2021.
Source: Schoharie County and Cobleskill Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 128 DOW ST, COBLESKILL, NY 12043-5500 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 1, 2021 |
| Transfer Doc | 001138/163 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Jun 4, 2021 |
| Property Address | 128 DOW ST, COBLESKILL, NY 12043-5500 |
| Document Number | 001138/163 |
| Book / Page | 1138 / 163 |
| Instrument Date | Jun 1, 2021 |
| Instrument | 790224 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 128 DOW ST, COBLESKILL, NY 12043-5500 |
The 2026 property tax bill for 128 Dow St was $11,670 with a homeowner's exemption, up 6.1% 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 |
| Unified School District | Cobleskill-Richmondville Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $11,670.00 (+6.09%) Homeowner's exemption | ||
| 2025 | $11,000.00 | $242,100 Land $30,500 Building $211,600 | $494,082 Land $62,245 Building $431,837 |
| 2023 | $242,100 Land $30,500 Building $211,600 | $424,737 Land $53,509 Building $371,228 | |
| 2020 | $10,145.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 128 Dow St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1996.
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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 3 (1996–2011) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
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 128 Dow 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: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| MIDTEL Fiber | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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