Schoharie County and Cobleskill Town property record for 163 Elm St, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,560 sqft · built 1900 |
| Lot Size | 0.58 acres (25,265 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,909 (2026) |
| Deeds & Mortgages | Jan 2023 Line of Credit Oct 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 432601 68.5-2-4 |
| Primary APN | 432601 68.5-2-4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,560 sqft Living Area |
| 1st Floor Area | 780 sqft |
| 2nd Floor Area | 780 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 25,265 sqft (0.58 acres) |
| Lot Dimensions | 307 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 376 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 431A100875 |
|---|---|
| Street Address | 163 ELM ST |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-4673 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HSE GARAGES |
| Legal Block | 2 |
| Legal Lot Number | 4.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 5 |
| Census Block | 5012 |
| Census Tract | 740200 |
163 Elm St is owned and occupied by two individuals who acquired it in March 2008.
Source: Schoharie County and Cobleskill Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 163 ELM ST, COBLESKILL, NY 12043-4673 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 10, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU |
| Oct 13, 2022 | Warranty Deed, Transfer |
| May 31, 2017 | Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FEDERAL CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Mar 21, 2008 |
| Transfer Doc | 0000000857/000000016 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 163 ELM ST, COBLESKILL, NY 12043-4673 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2023 |
| Name | Verified Name |
|---|
| Document Number | 002027/262 |
|---|---|
| Date | Jan 10, 2023 |
| Book Page | 2027/262 |
| Instrument | 820141 |
| Name | FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Oct 13, 2022 |
| Property Address | 163 ELM ST, COBLESKILL, NY 12043-4673 |
| Document Number | 001175/291 |
| Book / Page | 1175 / 291 |
| Instrument Date | Sep 22, 2022 |
| Instrument | 818452 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 163 ELM ST, COBLESKILL, NY 12043-4673 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 163 ELM ST, COBLESKILL, NY 12043-4673 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001760/0000000244 |
|---|---|
| Date | May 31, 2017 |
| Book Page | 0000001760/0000000244 |
| Instrument | 000000719995 |
| Name | FIRST NEW YORK FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 163 Elm St was $6,909 with exemptions applied, up 5.2% from the year before.
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 |
|---|---|---|---|
| 2026 | $6,909.00 (+5.19%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $6,568.00 | $112,600 Land $18,900 Building $93,700 | $229,796 Land $38,571 Building $191,225 |
| 2023 | $112,600 Land $18,900 Building $93,700 | $197,544 Land $33,158 Building $164,386 | |
| 2020 | $5,599.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 163 Elm St in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 2011.
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 |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 19 (2011–2013) |
| Most Recent Claim | Jun 2013 · other causes |
| 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.
Wildfire risk around 163 Elm St is low, with a 0.01% annual chance of 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.
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 249 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures