153 Dow St, Cobleskill, NY 12043 Property Records

Schoharie County and Cobleskill Town property record for 153 Dow St, Cobleskill, NY 12043

Property Summary

Property Type	Rural Home
Details	4 bd · 2.5 ba · 1,872 sqft · built 1984
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$244,000 (Apr 2016)
Tax Bill	$7,471 (2026)
Deeds & Mortgages	Aug 2023 Mortgage Sep 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`432689 69.-2-55`

Property Details

APN / Parcel Number

Primary APN	`432689 69.-2-55`
Alternative APNs	`268906900000020550000000` `435J181030`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,872 sqft Living Area
1st Floor Area	864 sqft
2nd Floor Area	1,008 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	435,600 sqft (10 acres)
Lot Width	354 ft Width
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	240 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	435J181030
Street Address	153 DOW ST
City	COBLESKILL
State	NY
Zip	12043-5501
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RR
Legal Description	HSE & BARN LIFE EST ELEANOR
Legal Block	2
Legal Lot Number	55.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	COBLESKILL
Census Block Group	1
Census Block	1053
Census Tract	740200

Owner

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	153 DOW ST, COBLESKILL, NY 12043-5501
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Sep 27, 2022	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Apr 5, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2016 · Amount on Record
Deed Sale	Apr 18, 2016 · Amount on Record
Prior Sale	Apr 16, 2010 · Amount on Record
Deed Book / Page	1019 / 155
Prior Transfer Date	Sep 13, 2002
Prior Transfer Doc	0725000025
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	153 DOW ST, COBLESKILL, NY 12043-5501
Transaction Type	Mortgage
Record Updated	Aug 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002048/125
Date	Aug 10, 2023
Book Page	2048/125
Instrument	822237

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2048

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	153 DOW ST, COBLESKILL, NY 12043-5501
Transaction Type	Mortgage
Record Updated	Oct 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002015/125
Date	Sep 27, 2022
Book Page	2015/125
Instrument	817995

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	153 DOW ST, COBLESKILL, NY 12043-5501
Transaction Type	Mortgage
Record Updated	Apr 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001990/83
Date	Apr 5, 2022
Book Page	1990/83
Instrument	808556

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	313 Months
Due	May 1, 2048

Tax Assessment & Valuation

Source: Schoharie County and Cobleskill Town assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Schoharie County
County Subdivision	Cobleskill Town
Unified School District	Cobleskill-Richmondville Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,471.00 (+6.08%)
2025	$7,043.00 (+2.74%)	$155,000 (-) Land $26,500 Building $128,500	$316,327 (+16.33%) Land $54,082 Building $262,245
2023		$155,000 Land $26,500 Building $128,500	$271,930 Land $46,491 Building $225,439
2020	$6,855.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	1 in force
Nearby Flood Claims	3 (1996–2011)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Aug 2011 · Hurricane Irene

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.

Wildfire

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
MIDTEL Fiber	500 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

Nearby Properties on Dow St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures