Schoharie County and Cobleskill Town property record for 147 Elm St, Cobleskill, NY 12043
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 2,480 sqft · built 1910 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $137,000 (Dec 2021) |
| Tax Bill | $5,007 (2026) |
| Deeds & Mortgages | Dec 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 432601 68.5-2-11 |
| Primary APN | 432601 68.5-2-11 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,480 sqft Total Area |
| 1st Floor Area | 1,333 sqft |
| 2nd Floor Area | 1,147 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Traditional |
| Exterior Material | Composition/Composite |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 115 ft deep x 45 ft wide |
| Porch | Slab |
| Porch Area | 232 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 431A101169 |
|---|---|
| Street Address | 147 ELM ST |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-4698 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R1 |
| Legal Description | 2FAM HSE GARAGE |
| Legal Block | 2 |
| Legal Lot Number | 11.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 5 |
| Census Block | 5012 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 532 CAVERNS RD, HOWES CAVE, NY 12092-1700 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 30, 2021 · Amount on Record |
| Deed Sale | Dec 30, 2021 · Amount on Record |
| Prior Sale | Jul 21, 2003 · Amount on Record |
| Deed Document Number | 2021801911 |
| Deed Book / Page | 1154 / 107 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Dec 30, 2021 |
| Property Address | 147 ELM ST, COBLESKILL, NY 12043-4698 |
| Document Number | 001154/107 |
| Book / Page | 1154 / 107 |
| Instrument Date | Dec 17, 2021 |
| Instrument | 801911 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 532 CAVERNS RD, HOWES CAVE, NY 12092-1700 |
| Document Number | 0000801912 |
|---|---|
| Date | Dec 30, 2021 |
| Instrument | 801912 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $5,007.00 (+5.19%) | ||
| 2025 | $4,760.00 (+6.63%) | $81,600 (-) Land $8,000 Building $73,600 | $166,531 (+16.33%) Land $16,327 Building $150,204 |
| 2023 | $81,600 Land $8,000 Building $73,600 | $143,158 Land $14,035 Building $129,123 | |
| 2020 | $4,464.00 |
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 |
| Flood Insurance Cost | Premium on Record 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.
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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