Schoharie County and Cobleskill Town property record for 143 Lake Rd, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,500 sqft · built 2023 |
| Lot Size | 2.88 acres (125,453 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,471 (2026) |
| Deeds & Mortgages | Nov 2022 Refinance Nov 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 432689 44.-1-3.2 |
| Primary APN | 432689 44.-1-3.2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,500 sqft Living Area |
| 1st Floor Area | 1,250 sqft |
| 2nd Floor Area | 1,250 sqft |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 125,453 sqft (2.88 acres) |
| Lot Width | 605 ft Width |
| Sewer | Septic |
|---|---|
| Water Source | Well |
| Account Number | 435J221016 |
|---|---|
| Street Address | 143 LAKE RD |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-6018 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Block | 1 |
| Legal Lot Number | 3.002 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 740200 |
143 Lake Rd is owned and occupied by two individuals.
Source: Schoharie County and Cobleskill Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 143 LAKE RD, COBLESKILL, NY 12043-6018 |
| 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.
| Date | Document |
|---|---|
| Nov 2, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance SARATOGA NATIONAL BANK & TRUST |
| Nov 17, 2020 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 143 LAKE RD, COBLESKILL, NY 12043-6018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | 002019/148 |
|---|---|
| Date | Nov 2, 2022 |
| Book Page | 2019/148 |
| Instrument | 819216 |
| Name | SARATOGA NATIONAL BANK & TRUST |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 373 Months |
| Due | Dec 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Nov 17, 2020 |
| Property Address | 143 LAKE RD, COBLESKILL, NY 12043-6018 |
| Document Number | 001124/250 |
| Book / Page | 1124 / 250 |
| Instrument Date | Nov 12, 2020 |
| Instrument | 782075 |
| Transaction Type | Transfer |
| Record Updated | Mar 21, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PHILIP SCHUYLER RD, COBLESKILL, NY 12043 |
The 2026 property tax bill for 143 Lake Rd was $7,471, 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 | $7,471.00 (+6.08%) | ||
| 2025 | $7,043.00 | $155,000 Land $20,000 Building $135,000 | $316,327 Land $40,816 Building $275,511 |
| 2023 | $12,000 (-) Land $12,000 | $21,053 (+12.28%) Land $21,053 | |
| 2022 | $12,000 Land $12,000 | $18,750 Land $18,750 | |
| 2021 | $321.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 143 Lake Rd 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 143 Lake Rd is low, with less than 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 94% of the US · lower than 93% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures