Schoharie County and Cobleskill Town property record for 164 Elm St, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,786 sqft · built 1918 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $139,000 (Apr 2013) |
| Tax Bill | $6,020 (2025) |
| Deeds & Mortgages | Jan 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 432601 56.17-1-11 |
| Primary APN | 432601 56.17-1-11 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,786 sqft Living Area |
| 1st Floor Area | 893 sqft |
| 2nd Floor Area | 893 sqft |
| Year Built | Built 1918 |
|---|---|
| Effective Year Built | Effective 1918 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 17,424 sqft (0.4 acres) |
| Lot Dimensions | 271 ft deep x 66 ft wide |
| Garage Type | Detached |
| Garage Area | 256 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
| Porch | Slab |
| Porch Area | 298 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 431A101118 |
|---|---|
| Street Address | 164 ELM ST |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-4674 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HOUSE GARAGE |
| Legal Block | 1 |
| Legal Lot Number | 11.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 740200 |
Source: Schoharie County and Cobleskill Town records, 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 Record |
|---|---|
| Mailing Address | PO BOX 804, COBLESKILL, NY 12043-0804 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 30, 2013 · Amount on Record |
| Deed Sale | Apr 30, 2013 · Amount on Record |
| Prior Sale | Nov 17, 2005 · Amount on Record |
| Deed Book / Page | 951 / 171 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 164 ELM ST, COBLESKILL, NY 12043-4674 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1915/252 |
|---|---|
| Date | Jan 28, 2021 |
| Book Page | 1915/252 |
| Instrument | 784129 |
| Name | FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
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 | $6,020.00 (+18.41%) | $106,200 (+2.91%) Land $8,900 Building $97,300 | $216,735 (+19.71%) Land $18,163 Building $198,572 |
| 2023 | $103,200 Land $8,900 Building $94,300 | $181,053 Land $15,614 Building $165,439 | |
| 2020 | $5,084.00 |
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 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 |
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