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155 Settles Mountain Rd, Cobleskill, NY 12043 Property Records

Schoharie County and Cobleskill Town property record for 155 Settles Mountain Rd, Cobleskill, NY 12043

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,634 sqft · built 2018
Lot Size6 acres (261,360 sqft)
OwnerIndividual Name on File
Tax Bill$9,495 (2025)
Deeds & MortgagesMar 2021 Mortgage
Jul 2018 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN432601 55.20-1-20.1

Property Details

APN / Parcel Number

Primary APN432601 55.20-1-20.1
Alternative APNs
  • 260105502000010200010000
  • 431A185018

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area2,634 sqft Living Area
1st Floor Area2,634 sqft

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2018
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Lot Area261,360 sqft (6 acres)
Lot Width75 ft Width
Garage TypeAttached
Garage Area675 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelOil

Location & Zoning

Account Number431A185018
Street Address155 SETTLES MOUNTAIN RD
CityCOBLESKILL
StateNY
Zip12043-7407
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRR
Legal Block1
Legal Lot Number20.001
JurisdictionSCHOHARIE NY
Township / Civil DivisionCOBLESKILL
Census Block Group3
Census Block3011
Census Tract740200

Owner

Source: Schoharie County and Cobleskill Town assessment roll, APN 432601 55.20-1-20.1, as of 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 RecordIndividual Name on File
Mailing Address131 SETTLES MOUNTAIN RD, COBLESKILL, NY 12043-7407
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 02, 2021Deed of Trust, Mortgage · FHA Mortgage
SUNMARK FCU
Jul 11, 2018Deed of Trust, Mortgage
SUNMARK FEDERAL CREDIT UNION
Nov 30, 2017Intrafamily Transfer, Transfer
NOT AVAILABLE, MICHAEL A. WEST

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last Transfer DateNov 16, 2017
Transfer Doc0000001059/000000012
Record UpdatedJun 08, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHOHARIE NY
Property Address155 SETTLES MOUNTAIN RD, COBLESKILL, NY 12043-7407
Transaction TypeMortgage
Record UpdatedApr 09, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number1922/1
DateMar 02, 2021
Book Page1922/1
Instrument785241
Lender
NameSUNMARK FCU
TypeCredit Union
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2051

July 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHOHARIE NY
Property Address155 SETTLES MOUNTAIN RD, COBLESKILL, NY 12043-7407
Transaction TypeMortgage
Record UpdatedApr 09, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000001808/0000000248
DateJul 11, 2018
Book Page0000001808/0000000248
Instrument000000743426
Lender
NameSUNMARK FEDERAL CREDIT UNION
TypeCredit Union
Agreement
AmountAmount Recorded
Term366 Months
DueJan 01, 2049

November 2017: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSCHOHARIE NY
Recording DateNov 30, 2017
Property Address155 SETTLES MOUNTAIN RD, COBLESKILL, NY 12043-7407
Document Number0000001059/0000000122
Book / Page0000001059 / 0000000122
Instrument DateNov 16, 2017
Transaction TypeTransfer
Record UpdatedMay 12, 2022
Title CompanyNOT AVAILABLE, MICHAEL A. WEST

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address131 SETTLES MOUNTAIN RD, COBLESKILL, NY 12043-7407

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew York
CountySchoharie County
County SubdivisionCobleskill Town
MunicipalityCobleskill Village
Unified School DistrictCobleskill-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.

YearTax BillAssessed ValueAssessed Market Value
2025$9,495.00 (+8.53%)$159,900 (-) Land $22,600 Building $137,300$326,327 (+16.33%) Land $46,123 Building $280,204
2023$159,900 Land $22,600 Building $137,300$280,526 Land $39,649 Building $240,877
2020$8,749.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schoharie County (36095C), as of February 16, 2012 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360957402003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies4 in force
Nearby Flood Claims5 (1996–2011)
Most Recent ClaimAug 2011 · Hurricane Irene
Claims by Event
  • Hurricane Irene, Aug 2011 · 2 claims

Wildfire

Wildfire RiskLow
lower than 80% of the US · above 54% of New York
Wildfire Likelihood0.01% annual chance
ExposureDirect
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, 26 locations within half a mile, as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System, water system NY4700094, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemCOBLESKILL VILLAGE
serves 4,678 people
Water SourceSurface water
Last State InspectionOct 2023
Lead3 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityTurbidity
resolved · Aug 2024
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

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