Schoharie County and Cobleskill Town property record for 145 Elm St, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,532 sqft · built 1890 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $127,000 (Aug 2018) |
| Tax Bill | $6,400 (2026) |
| Deeds & Mortgages | Aug 2018 Mortgage Nov 2025 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 432601 68.5-2-12 |
| Primary APN | 432601 68.5-2-12 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,532 sqft Living Area |
| 1st Floor Area | 1,360 sqft |
| 2nd Floor Area | 832 sqft |
| Upper Floors Area | 90 sqft |
| Attic | Attic |
| Attic Area | 250 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 21,780 sqft (0.5 acres) |
| Lot Dimensions | 240 ft deep x 66 ft wide |
| Garage Type | Detached |
| Garage Area | 744 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 242 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 431A100667 |
|---|---|
| Street Address | 145 ELM ST |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-4698 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HSE & BARN |
| Legal Block | 2 |
| Legal Lot Number | 12.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 5 |
| Census Block | 5012 |
| Census Tract | 740200 |
145 Elm St is owned and occupied by two individuals who bought it in August 2018.
Source: Schoharie County and Cobleskill Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 145 ELM ST, COBLESKILL, NY 12043-4698 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 24, 2018 | Deed of Trust, Mortgage TRUSTCO BANK |
| Nov 25, 2025 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 24, 2018 · Amount on File |
| Deed Sale | Aug 24, 2018 · Amount on File |
| Deed Document Number | 2018748336 |
| Deed Book / Page | 1075 / 207 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 145 ELM ST, COBLESKILL, NY 12043-4698 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000001813/0000000001 |
|---|---|
| Date | Aug 24, 2018 |
| Book Page | 0000001813/0000000001 |
| Instrument | 000000748337 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 353 Months |
| Due | Jan 1, 2048 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Nov 25, 2025 |
| Property Address | 145 ELM ST, COBLESKILL, NY 12043-4698 |
| Document Number | 001246/114 |
| Book / Page | 1246 / 114 |
| Instrument Date | Nov 17, 2025 |
| Instrument | 830575 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 145 ELM ST, COBLESKILL, NY 12043-4698 |
The 2026 property tax bill for 145 Elm St was $6,400, up 5.2% 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 |
| Municipality | Cobleskill Village |
| Unified School District | Cobleskill-Richmondville Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,400.00 (+5.19%) | ||
| 2025 | $6,084.00 (+14.23%) | $104,300 (-) Land $18,900 Building $85,400 | $212,857 (+11.84%) Land $38,571 Building $174,286 |
| 2024 | $5,326.00 | $104,300 (-) Land $18,900 Building $85,400 | $190,328 (+4.01%) Land $34,489 Building $155,839 |
| 2023 | $104,300 Land $18,900 Building $85,400 | $182,982 Land $33,158 Building $149,824 | |
| 2020 | $5,706.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 145 Elm St in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 2011.
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 |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 19 (2011–2013) |
| Most Recent Claim | Jun 2013 · other causes |
| 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.
Wildfire risk around 145 Elm 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: 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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