Schoharie County and Cobleskill Town property record for 129 Elm St, Cobleskill, NY 12043
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 3 ba · 2,624 sqft · built 1890 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $129,000 (Jun 2022) |
| Tax Bill | $6,976 (2026) |
| Deeds & Mortgages | Dec 2019 Refinance Oct 2021 Refinance + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 432601 68.5-3-2 |
| Primary APN | 432601 68.5-3-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 2,624 sqft Total Area |
| 1st Floor Area | 1,312 sqft |
| 2nd Floor Area | 1,312 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 150 ft deep x 66 ft wide |
| Porch | Slab |
| Porch Area | 558 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 431A100994 |
|---|---|
| Street Address | 129 ELM ST |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-1000 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R1 |
| Legal Description | BRICK BLDG |
| Legal Block | 3 |
| Legal Lot Number | 2.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 740200 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Cobleskill Historic District listed 1978 · 188 contributing resources · NRIS 78001910 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 129 ELM ST, 1, COBLESKILL, NY 12043-1000 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 19, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF RICHMONDVILLE |
| Oct 4, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF RICHMONDVILLE |
| Aug 31, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF RICHMONDVILLE |
| Mar 1, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance STATE EMPLOYEES FCU |
| Dec 7, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU |
| Sep 15, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU |
| Jun 30, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage TRUSTCO BANK |
| Aug 31, 2021 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 30, 2022 · Amount on Record |
| Deed Sale | Jun 30, 2022 · Amount on Record |
| Prior Sale | Jul 19, 2005 · Amount on Record |
| Deed Document Number | 2022813012 |
| Deed Book / Page | 1168 / 38 |
| Prior Transfer Date | Jun 13, 2005 |
| Prior Transfer Doc | 0000000787/000000032 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 129 ELM ST, COBLESKILL, NY 12043-1000 |
| Transaction Type | Mortgage |
| Record Updated | Dec 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001863/36 |
|---|---|
| Date | Dec 19, 2019 |
| Book Page | 1863/36 |
| Instrument | 771489 |
| Name | BANK OF RICHMONDVILLE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 129 ELM ST, COBLESKILL, NY 12043-1000 |
| Transaction Type | Mortgage |
| Record Updated | Dec 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001957/32 |
|---|---|
| Date | Oct 4, 2021 |
| Book Page | 1957/32 |
| Instrument | 796686 |
| Name | BANK OF RICHMONDVILLE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 129 ELM ST, COBLESKILL, NY 12043-1000 |
| Transaction Type | Mortgage |
| Record Updated | Dec 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001951/70 |
|---|---|
| Date | Aug 31, 2021 |
| Book Page | 1951/70 |
| Instrument | 795372 |
| Name | BANK OF RICHMONDVILLE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 129 ELM ST, COBLESKILL, NY 12043-1000 |
| Transaction Type | Mortgage |
| Record Updated | Dec 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001983/230 |
|---|---|
| Date | Mar 1, 2022 |
| Book Page | 1983/230 |
| Instrument | 807080 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 129 ELM ST, COBLESKILL, NY 12043-1000 |
| Transaction Type | Mortgage |
| Record Updated | Dec 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00002024/1 |
|---|---|
| Date | Dec 7, 2022 |
| Book Page | 2024/1 |
| Instrument | 819779 |
| Name | FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 1, 2038 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 129 ELM ST, COBLESKILL, NY 12043-1000 |
| Transaction Type | Mortgage |
| Record Updated | Dec 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 002013/188 |
|---|---|
| Date | Sep 15, 2022 |
| Book Page | 2013/188 |
| Instrument | 816621 |
| Name | FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2037 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Jun 30, 2022 |
| Property Address | 129 ELM ST, COBLESKILL, NY 12043-1000 |
| Document Number | 0001168/38 |
| Book / Page | 1168 / 38 |
| Instrument Date | Jun 13, 2022 |
| Instrument | 813012 |
| Transaction Type | Transfer |
| Record Updated | Dec 27, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 129 ELM ST # 2, 2, COBLESKILL, NY 12043-1000 |
| Document Number | 0000813013 |
|---|---|
| Date | Jun 30, 2022 |
| Instrument | 813013 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Aug 31, 2021 |
| Property Address | 129 ELM ST, COBLESKILL, NY 12043-1000 |
| Document Number | 0001146/46 |
| Book / Page | 1146 / 46 |
| Instrument Date | Aug 26, 2021 |
| Instrument | 795371 |
| Transaction Type | Transfer |
| Record Updated | Dec 27, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 129 ELM ST, COBLESKILL, NY 12043-1000 |
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 | $6,976.00 (+14.01%) | ||
| 2025 | $6,119.00 (+7.63%) | $104,900 (-) Land $20,300 Building $84,600 | $214,082 (+16.33%) Land $41,429 Building $172,653 |
| 2023 | $104,900 Land $20,300 Building $84,600 | $184,035 Land $35,614 Building $148,421 | |
| 2020 | $5,685.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 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.
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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