Schoharie County and Cobleskill Town property record for 151 Union St, Cobleskill, NY 12043 · Last verified May 2026
| Property Type | Residential > Multi-Unit > Duplex |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1896 |
| Square Footage | 2,580 sqft Total Area |
| Lot Size | 8,712 sqft (0.2 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $51,000 (2000) |
| Tax Bill | $5,280.00 (2025) |
| Primary APN | 432601 56.17-7-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,580 sqft Total Area |
| 1st Floor | 1,290 sqft 1st Floor |
| 2nd Floor | 1,290 sqft 2nd Floor |
| Stories | 2 Stories |
| Year Built | Built 1896 |
|---|---|
| Effective Year Built | Effective 1896 |
| Architectural Style | Traditional Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 8,712 sqft (0.2 acres) |
| Depth X Width | 154 ft x 66 ft Depth x Width |
| Porch Area | 300 sqft Porch |
| Heating System | Hot Water Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Account Number | 431A101451 |
|---|---|
| Street Address | 151 UNION ST |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-3831 |
| Property Usage | Residential Property Usage |
| Type | Residential > Multi-Unit > Duplex |
| Legal Description | 2 FAM HOUSE |
| Legal Block | 7 |
| Legal Lot Number | 8.000 |
| Jurisdiction | SCHOHARIE NY |
| Minor Civil Division | COBLESKILL |
| Census Blockgroup | 4 |
| Census Block | 4014 |
| Census Tract | 740200 |
Source: Schoharie County and Cobleskill Town records · APN 432601 56.17-7-8
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 | Individual Name on File |
|---|---|
| Mailing Address | 151 UNION ST, 1, COBLESKILL, NY 12043-3831 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 10, 2022 | Deed of Trust, Mortgage · Stand Alone Refinance CITIZENS BANK |
| Jan 17, 2017 | Deed of Trust, Mortgage CITIZENS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 13, 2000 · Amount on Record |
| Deed Sale | Dec 13, 2000 · Amount on Record |
| Deed Book / Page | 686 / 150 |
| Prior Transfer Date | Aug 08, 2000 |
| Prior Transfer Doc | 0679000222 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 151 UNION ST, COBLESKILL, NY 12043-3831 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001985/151 |
|---|---|
| Date | Mar 10, 2022 |
| Book Page | 1985/151 |
| Instrument | 807419 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 01, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 151 UNION ST, COBLESKILL, NY 12043-3831 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001748/0000000043 |
|---|---|
| Date | Jan 17, 2017 |
| Book Page | 0000001748/0000000043 |
| Instrument | 000000710786 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jan 01, 2032 |
Source: Schoharie County and Cobleskill Town records · Assessment roll updated May 14, 2026 · Last verified May 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) |
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 | $5,280.00 (-9.87%) | $84,700 (-) Land $8,500 Building $76,200 | $172,857 (+16.33%) Land $17,347 Building $155,510 |
| 2023 | $84,700 Land $8,500 Building $76,200 | $148,596 Land $14,912 Building $133,684 | |
| 2020 | $5,858.00 |
151 Union St is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect 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 |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
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 | Indirect within ember reach of burnable land · adjoins burnable vegetation |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release
| Historic District | Within the Cobleskill Historic District listed 1978 · 188 contributing resources · NRIS 78001910 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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