Schoharie County and Cobleskill Town property record for 162 Elm St, Cobleskill, NY 12043 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1890 |
| Square Footage | 2,729 sqft Living Area |
| Lot Size | 17,424 sqft (0.4 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $181,600 (2022) |
| Tax Bill | $4,725.00 (2025) |
| Primary APN | 432601 56.17-1-10 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,729 sqft Living Area |
| 1st Floor | 1,527 sqft 1st Floor |
| 2nd Floor | 905 sqft 2nd Floor |
| Upper Floors | 297 sqft Upper Floors |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Traditional Style |
| Exterior Material | Wood Exterior |
| Lot Area | 17,424 sqft (0.4 acres) |
| Depth X Width | 297 ft x 66 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 576 sqft Garage |
| Porch Area | 60 sqft Porch |
| Greenhouse | 140 sqft Greenhouse |
| Heating System | Hot Water Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Account Number | 431A100930 |
|---|---|
| Street Address | 162 ELM ST |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-4674 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HOUSE GARAGE |
| Legal Block | 1 |
| Legal Lot Number | 10.000 |
| Jurisdiction | SCHOHARIE NY |
| Minor Civil Division | COBLESKILL |
| Census Blockgroup | 3 |
| Census Block | 3004 |
| Census Tract | 740200 |
Source: Schoharie County and Cobleskill Town records · APN 432601 56.17-1-10
Assessment roll updated May 14, 2026 · Last verified June 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 | 162 ELM ST, COBLESKILL, NY 12043-4674 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 13, 2012 | Deed of Trust, Mortgage KEY BANK N A |
| Feb 17, 2026 | Warranty Deed, Transfer TRUSTCO BANK |
| May 23, 2022 | Warranty Deed, Transfer · Stand Alone First Mortgage PLAZA HOME MORTGAGE INC |
| Oct 02, 2020 | Deed, Transfer · Stand Alone First Mortgage CALIBER HOME LOANS INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 23, 2022 · Amount on Record |
| Deed Sale | May 23, 2022 · Amount on Record |
| Prior Sale | Oct 02, 2020 · Amount on Record |
| Deed Doc Number | 2022810689 |
| Deed Book / Page | 1164 / 231 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 162 ELM ST, COBLESKILL, NY 12043-4674 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000001563/0000000200 |
|---|---|
| Date | Dec 13, 2012 |
| Book Page | 0000001563/0000000200 |
| Instrument | 0000640467 |
| Name | KEY BANK N A |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Feb 17, 2026 |
| Property Address | 162 ELM ST, COBLESKILL, NY 12043-4674 |
| Document Number | 001250/266 |
| Book / Page | 1250 / 266 |
| Instrument Date | Feb 04, 2026 |
| Instrument | 831382 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 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 | 91 GREEN AVE, CASTLETON ON HUDSON, NY 12033-1212 |
| Document Number | 0000831383 |
|---|---|
| Date | Feb 17, 2026 |
| Instrument | 831383 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Mar 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | May 23, 2022 |
| Property Address | 162 ELM ST, COBLESKILL, NY 12043-4674 |
| Document Number | 001164/231 |
| Book / Page | 1164 / 231 |
| Instrument Date | May 12, 2022 |
| Instrument | 810689 |
| Transaction Type | Transfer |
| Record Updated | Jun 14, 2022 |
| 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 | 12 ETHIER DR, TROY, NY 12180-7127 |
| Document Number | 0000810692 |
|---|---|
| Date | May 23, 2022 |
| Instrument | 810692 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Oct 02, 2020 |
| Property Address | 162 ELM ST, COBLESKILL, NY 12043-4674 |
| Document Number | 0001121/70 |
| Book / Page | 1121 / 70 |
| Instrument Date | Aug 26, 2020 |
| Instrument | 780714 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| 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 |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 6 FURLONG DR, ALBANY, NY 12205-2217 |
| Document Number | 0001897/67 |
|---|---|
| Date | Oct 02, 2020 |
| Book Page | 1897/67 |
| Instrument | 780715 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
Source: Schoharie County and Cobleskill Town records · Assessment roll updated May 14, 2026 · Last verified June 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,725.00 (+14.24%) | $81,000 (-) Land $8,900 Building $72,100 | $165,306 (+11.84%) Land $18,163 Building $147,143 |
| 2024 | $4,136.00 (+6.49%) | $81,000 (-) Land $8,900 Building $72,100 | $147,810 (+4.01%) Land $16,241 Building $131,569 |
| 2023 | $81,000 Land $8,900 Building $72,100 | $142,105 Land $15,614 Building $126,491 | |
| 2020 | $3,884.00 |
162 Elm St is in FEMA Zone X, outside the Special Flood Hazard Area, with direct 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 |
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 | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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