145 Settles Mountain Rd, Cobleskill, NY 12043 Property Records

Schoharie County and Cobleskill Town property record for 145 Settles Mountain Rd, Cobleskill, NY 12043

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 2,184 sqft · built 1850
Lot Size	2.5 acres (108,900 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,970 (2025)
Deeds & Mortgages	Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`432601 55.20-1-20.2`

Property Details

APN / Parcel Number

Primary APN	`432601 55.20-1-20.2`
Alternative APNs	`260105502000010200020000` `431A203007`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,184 sqft Living Area
1st Floor Area	1,380 sqft
2nd Floor Area	804 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 2010
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	108,900 sqft (2.5 acres)
Lot Width	294 ft Width
Garage Type	Detached
Garage Area	936 sqft
Parking Spaces	4 Parking Spaces
Shed	1 Shed
Canopy	384 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	431A203007
Street Address	145 SETTLES MOUNTAIN RD
City	COBLESKILL
State	NY
Zip	12043-7407
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	00
Legal Description	67.8-1-16.2 D&C W/THIS 2/
Legal Block	1
Legal Lot Number	20.002
Jurisdiction	SCHOHARIE NY
Township / Civil Division	COBLESKILL
Census Block Group	3
Census Block	3011
Census Tract	740200

Owner

Source: Schoharie County and Cobleskill Town records · APN 432601 55.20-1-20.2

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 SETTLES MOUNTAIN RD, COBLESKILL, NY 12043-7407
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Dec 22, 2014
Transfer Doc	0000000990/000000016
Record Updated	Jun 08, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	145 SETTLES MOUNTAIN RD, COBLESKILL, NY 12043-7407
Transaction Type	Mortgage
Record Updated	Jul 23, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1843/144
Date	Jul 05, 2019
Book Page	1843/144
Instrument	764343

Lender

Name	NBT BANK NATIONAL ASSOCIATION
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 01, 2039

Tax Assessment & Valuation

Source: Schoharie County and Cobleskill Town records · Assessment roll updated 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	$6,970.00 (+16.63%)	$119,500 (-) Land $21,500 Building $98,000	$243,878 (+16.33%) Land $43,878 Building $200,000
2023		$119,500 Land $21,500 Building $98,000	$209,649 Land $37,719 Building $171,930
2020	$5,976.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 16, 2012 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	5 (1996–2011)
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 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	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Based on FCC filings for 20 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System 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.