Schoharie County and Cobleskill Town property record for 137 Dow St, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,052 sqft · built 1989 |
| Lot Size | 6.03 acres (262,667 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $7,346 (2026) |
| Deeds & Mortgages | Mar 2022 Refinance Jul 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 432689 69.-2-56 |
| Primary APN | 432689 69.-2-56 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,052 sqft Living Area |
| 1st Floor Area | 2,052 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 262,667 sqft (6.03 acres) |
| Lot Width | 236 ft Width |
| Garage Type | Mixed |
| Garage Area | 1,268 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
| Porch Area | 92 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Account Number | 435J181015 |
|---|---|
| Street Address | 137 DOW ST |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-5501 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Block | 2 |
| Legal Lot Number | 56.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 740200 |
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 | 137 DOW ST, COBLESKILL, NY 12043-5501 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 18, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY BANK NA |
| Jul 3, 2018 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEE FCU (NY) |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 137 DOW ST, COBLESKILL, NY 12043-5501 |
| Transaction Type | Mortgage |
| Record Updated | Apr 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001986/203 |
|---|---|
| Date | Mar 18, 2022 |
| Book Page | 1986/203 |
| Instrument | 807777 |
| Name | COMMUNITY BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 137 DOW ST, COBLESKILL, NY 12043-5501 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001808/0000000001 |
|---|---|
| Date | Jul 3, 2018 |
| Book Page | 0000001808/0000000001 |
| Instrument | 000000743098 |
| Name | STATE EMPLOYEE FCU (NY) |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
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 | $7,346.00 (+6.08%) Homeowner's exemption | ||
| 2025 | $6,925.00 (+12.09%) | $152,400 (-) Land $22,100 Building $130,300 | $311,020 (+16.33%) Land $45,102 Building $265,918 |
| 2023 | $152,400 Land $22,100 Building $130,300 | $267,368 Land $38,772 Building $228,596 | |
| 2020 | $6,178.00 |
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 | 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.
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 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| MIDTEL Fiber | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Spectrum.
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