Schoharie County and Cobleskill Town property record for 165 Elm St, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,682 sqft · built 1890 |
| Lot Size | 0.42 acres (18,295 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $110,000 (May 2017) |
| Tax Bill | $5,023 (2025) |
| Deeds & Mortgages | May 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 432601 68.5-2-3 |
| Primary APN | 432601 68.5-2-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,682 sqft Living Area |
| 1st Floor Area | 841 sqft |
| 2nd Floor Area | 841 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 18,295 sqft (0.42 acres) |
| Lot Dimensions | 307 ft deep x 66 ft wide |
| Garage Type | Detached |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 91 sqft |
| Shed | 1 Shed |
| Shed Area | 66 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 431A100993 |
|---|---|
| Street Address | 165 ELM ST |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-4673 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HOUSE GARAGE |
| Legal Block | 2 |
| Legal Lot Number | 3.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 5 |
| Census Block | 5012 |
| 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 | 165 ELM ST, COBLESKILL, NY 12043-4673 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 5, 2017 · Amount on Record |
| Deed Sale | May 5, 2017 · Amount on Record |
| Prior Sale | Jun 18, 2014 · Amount on Record |
| Deed Book / Page | 1044 / 1 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | May 5, 2017 |
| Property Address | 165 ELM ST, COBLESKILL, NY 12043-4673 |
| Document Number | 0000001044/0000000001 |
| Book / Page | 0000001044 / 0000000001 |
| Instrument Date | May 4, 2017 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Title Company | NOT AVAILABLE, MICHAEL SHULTES |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 165 ELM ST, COBLESKILL, NY 12043-4673 |
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 | $5,023.00 (+14.6%) | $85,000 (+13.33%) Land $14,500 Building $70,500 | $173,469 (+31.84%) Land $29,592 Building $143,877 |
| 2023 | $75,000 Land $14,500 Building $60,500 | $131,579 Land $25,439 Building $106,140 | |
| 2020 | $4,383.00 |
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 |
| Flood Insurance Cost | Premium on Record 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.
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 |
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