Schoharie County and Cobleskill Town property record for 157 Settles Mountain Rd, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,184 sqft · built 1890 |
| Lot Size | 0.7 acres (30,492 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,291 (2025) |
| Deeds & Mortgages | Aug 2024 Sale & Mortgage Nov 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 432601 55.20-1-19 |
| Primary APN | 432601 55.20-1-19 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,184 sqft Living Area |
| 1st Floor Area | 904 sqft |
| 2nd Floor Area | 280 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 30,492 sqft (0.7 acres) |
| Lot Dimensions | 260 ft deep x 160 ft wide |
| Porch | Slab |
| Porch Area | 236 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 431A101257 |
|---|---|
| Street Address | 157 SETTLES MOUNTAIN RD |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-7407 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | HOUSE |
| Legal Block | 1 |
| Legal Lot Number | 19.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 740200 |
Source: Schoharie County and Cobleskill Town assessment roll, as of May 14, 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 | 155 SETTLES MOUNTAIN RD, COBLESKILL, NY 12043-7407 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 30, 2024 | Warranty Deed, Transfer · Stand-Alone First Mortgage KEY BANK NA |
| Nov 7, 2019 | Executor's Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Nov 3, 2004 |
| Transfer Doc | 0773000193 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Aug 30, 2024 |
| Property Address | 157 SETTLES MOUNTAIN RD, COBLESKILL, NY 12043-7407 |
| Document Number | 001218/130 |
| Book / Page | 1218 / 130 |
| Instrument Date | Aug 27, 2024 |
| Instrument | 826179 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 155 SETTLES MOUNTAIN RD, COBLESKILL, NY 12043-7407 |
| Document Number | 0000826180 |
|---|---|
| Date | Aug 30, 2024 |
| Instrument | 826180 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2054 |
| Document Type | Executor's Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Nov 7, 2019 |
| Property Address | 157 SETTLES MOUNTAIN RD, COBLESKILL, NY 12043-7407 |
| Document Number | 001102/169 |
| Book / Page | 1102 / 169 |
| Instrument Date | Nov 6, 2019 |
| Instrument | 769194 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12 TALLMADGE PL, MECHANICVILLE, NY 12118-2319 |
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 |
|---|---|---|---|
| 2025 | $3,291.00 (+71.32%) | $55,700 (-) Land $13,300 Building $42,400 | $113,673 (+16.33%) Land $27,143 Building $86,530 |
| 2023 | $55,700 Land $13,300 Building $42,400 | $97,719 Land $23,333 Building $74,386 | |
| 2020 | $1,921.00 |
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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