131 Lark St, Cobleskill, NY 12043 Property Records

Schoharie County and Cobleskill Town property record for 131 Lark St, Cobleskill, NY 12043

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,252 sqft · built 1920
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$80,000 (Sep 1998)
Tax Bill	$5,051 (2025)
Deeds & Mortgages	Feb 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`432601 56.18-4-15`

Property Details

APN / Parcel Number

Primary APN	`432601 56.18-4-15`
Alternative APNs	`260105601800040150000000` `431A101159`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,252 sqft Living Area
1st Floor Area	1,126 sqft
2nd Floor Area	1,126 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	80 ft deep x 119 ft wide
Porch	Slab
Porch Area	102 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	431A101159
Street Address	131 LARK ST
City	COBLESKILL
State	NY
Zip	12043-3845
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	HOSE BARN
Legal Block	4
Legal Lot Number	15.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	COBLESKILL
Census Block Group	4
Census Block	4016
Census Tract	740200

Owner

Source: Schoharie County and Cobleskill Town assessment roll, APN 432601 56.18-4-15, as of May 14, 2026 · Last verified May 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 File
Mailing Address	131 LARK ST, COBLESKILL, NY 12043-3845
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 10, 1998 · Amount on Record
Deed Sale	Sep 10, 1998 · Amount on Record
Deed Book / Page	639 / 334
Record Updated	Jun 08, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	131 LARK ST, COBLESKILL, NY 12043-3845
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1830/131
Date	Feb 19, 2019
Book Page	1830/131
Instrument	757102

Lender

Name	FIRST NEW YORK FCU
Type	Credit Union

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Mar 01, 2029

Tax Assessment & Valuation

Source: Schoharie County and Cobleskill Town assessment roll as of May 14, 2026 · Last verified May 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,051.00 (+6.61%)	$86,600 (-) Land $10,500 Building $76,100	$176,735 (+16.33%) Land $21,429 Building $155,306
2023		$86,600 Land $10,500 Building $76,100	$151,930 Land $18,421 Building $133,509
2020	$4,738.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schoharie County (36095C), as of February 16, 2012 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360957402004, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	2 (2011)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 2 claims

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection, 362 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: The Middleburgh Telephone Company.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system NY4700094, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	COBLESKILL VILLAGE serves 4,678 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.