Schoharie County and Cobleskill Town property record for 146 Elm St, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,344 sqft · built 1910 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $6,872 (2026) |
| Deeds & Mortgages | Apr 2023 Sale Nov 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 432601 56.17-1-7 |
| Primary APN | 432601 56.17-1-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,344 sqft Living Area |
| 1st Floor Area | 1,172 sqft |
| 2nd Floor Area | 1,172 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Lot Area | 13,068 sqft (0.3 acres) |
| Lot Dimensions | 180 ft deep x 76 ft wide |
| Garage Type | Detached |
| Garage Area | 320 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 87,000 sqft |
| Porch | Slab |
| Porch Area | 466 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 431A101402 |
|---|---|
| Street Address | 146 ELM ST |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-4697 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HOUSE GARAGE |
| Legal Block | 1 |
| Legal Lot Number | 7.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 3 |
| Census Block | 3004 |
| 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 | 146 ELM ST, COBLESKILL, NY 12043-4697 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 26, 2023 | Warranty Deed, Transfer |
| Nov 16, 2021 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES FCU |
| Jul 30, 2018 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEE FCU (NY) |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Apr 25, 2023 |
| Transfer Doc | 0001189/26 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Apr 26, 2023 |
| Property Address | 146 ELM ST, COBLESKILL, NY 12043-4697 |
| Document Number | 0001189/26 |
| Book / Page | 1189 / 26 |
| Instrument Date | Apr 25, 2023 |
| Instrument | 821198 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 146 ELM ST, COBLESKILL, NY 12043-4697 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 146 ELM ST, COBLESKILL, NY 12043-4697 |
| Transaction Type | Mortgage |
| Record Updated | Dec 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1964/1 |
|---|---|
| Date | Nov 16, 2021 |
| Book Page | 1964/1 |
| Instrument | 798424 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Dec 1, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 146 ELM ST, COBLESKILL, NY 12043-4697 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001810/0000000150 |
|---|---|
| Date | Jul 30, 2018 |
| Book Page | 0000001810/0000000150 |
| Instrument | 000000745818 |
| Name | STATE EMPLOYEE FCU (NY) |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 294 Months |
| Due | Jan 1, 2043 |
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 | $6,872.00 (+1%) | ||
| 2025 | $6,247.00 (+17.91%) | $112,000 (+4.58%) Land $8,700 Building $103,300 | $228,571 (+21.65%) Land $17,755 Building $210,816 |
| 2023 | $107,100 Land $8,700 Building $98,400 | $187,895 Land $15,263 Building $172,632 | |
| 2020 | $5,298.00 |
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 | 4 in force |
| Nearby Flood Claims | 5 (1996–2011) |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| 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.
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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