Schoharie County and Seward Town property record for 145 Penny Ln, Cobleskill, NY 12043 · Last verified May 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Architecture Style | Cape Cod |
| Year Built | Built 1980 |
| Lot Size | 58,806 sqft (1.35 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $314,900 (2021) |
| Tax Bill | $7,048.00 (2025) |
| Primary APN | 434400 43.-2-24.2 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Cape Cod Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 58,806 sqft (1.35 acres) |
| Sewage | Septic Sewage |
|---|---|
| Water Source | Well Water Source |
| Account Number | 525J193010 |
|---|---|
| Street Address | 145 PENNY LN |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-6431 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 2 |
| Legal Lot Number | 24.002 |
| Jurisdiction | SCHOHARIE NY |
| Minor Civil Division | SEWARD |
| Census Blockgroup | 4 |
| Census Block | 4016 |
| Census Tract | 740400 |
Source: Schoharie County and Seward Town records · APN 434400 43.-2-24.2
Assessment roll updated 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 | 145 PENNY LN, COBLESKILL, NY 12043-6431 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 03, 2021 | Warranty Deed, Transfer |
| Jan 04, 2018 | Deed of Trust, Mortgage HOMESTEAD FUNDING CORP |
| Jan 04, 2018 | Quit Claim Arm's Length for NE States, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 03, 2021 · Amount on Record |
| Deed Sale | Aug 03, 2021 · Amount on Record |
| Prior Sale | Jan 04, 2018 · Amount on Record |
| Deed Doc Number | 2021793267 |
| Deed Book / Page | 1144 / 72 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Aug 03, 2021 |
| Property Address | 145 PENNY LN, COBLESKILL, NY 12043-6431 |
| Document Number | 1144/72 |
| Book / Page | 1144 / 72 |
| Instrument Date | Jul 30, 2021 |
| Instrument | 793267 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 124 MARIA DR, MIDDLEBURGH, NY 12122-5416 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 145 PENNY LN, COBLESKILL, NY 12043-6431 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001788/0000000281 |
|---|---|
| Date | Jan 04, 2018 |
| Book Page | 0000001788/0000000281 |
| Instrument | 000000730281 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 01, 2048 |
| Document Type | Quit Claim Arm's Length for NE States |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Jan 04, 2018 |
| Property Address | 145 PENNY LN, COBLESKILL, NY 12043-6431 |
| Document Number | 001061/132 |
| Book / Page | 1061 / 132 |
| Instrument Date | Dec 28, 2017 |
| Instrument | 000000730280 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $796.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 129, COBLESKILL, NY 12043 |
Source: Schoharie County and Seward Town records · Assessment roll updated May 14, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Seward Town |
| Unified School District | Cobleskill-Richmondville Central School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,048.00 (+3.83%) | $137,500 (-) Land $10,000 Building $127,500 | $335,366 (+21.95%) Land $24,390 Building $310,976 |
| 2023 | $137,500 Land $10,000 Building $127,500 | $275,000 Land $20,000 Building $255,000 | |
| 2020 | $6,788.00 |
145 Penny Ln is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Schoharie County (36095C), updated February 16, 2012
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 55th in New York |
|---|---|
| Wildfire Likelihood | Low — about 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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