Schoharie County and Cobleskill Town property record for 166 Elm St, Cobleskill, NY 12043 · Last verified May 2026
| Property Type | Duplex |
|---|---|
| Details | 7 bd · 2 ba · 2,680 sqft · built 1910 |
| Lot Size | 0.87 acres (37,897 sqft) |
| Owner | Company Name on File |
| Last Sale | $780,000 (Feb 2023) |
| Tax Bill | $6,778 (2025) |
| Deeds & Mortgages | May 2023 Refinance Feb 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 432601 56.17-1-12 |
| Primary APN | 432601 56.17-1-12 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,680 sqft Total Area |
| 1st Floor Area | 1,472 sqft |
| 2nd Floor Area | 1,208 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Traditional |
| Exterior Material | Concrete |
| Lot Area | 37,897 sqft (0.87 acres) |
| Lot Dimensions | 295 ft deep x 127 ft wide |
| Garage Type | Detached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 418 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 431A101121 |
|---|---|
| Street Address | 166 ELM ST |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-4674 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Block | 1 |
| Legal Lot Number | 12.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 740200 |
Source: Schoharie County and Cobleskill Town records · APN 432601 56.17-1-12
Assessment roll updated May 14, 2026 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 86 MAIN ST, 304, AUBURN, ME 04210-5799 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| May 26, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance THE BANCORP BANK |
| Feb 08, 2023 | Deed, Transfer · Stand-Alone First Mortgage BANKPROV |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 08, 2023 · Amount on Record |
| Deed Sale | Feb 08, 2023 · Amount on Record |
| Deed Document Number | 2023820481 |
| Deed Book / Page | 1184 / 96 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 166 ELM ST, COBLESKILL, NY 12043-4674 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0002040/10 |
|---|---|
| Date | May 26, 2023 |
| Book Page | 2040/10 |
| Instrument | 821479 |
| Name | THE BANCORP BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Feb 08, 2023 |
| Property Address | 166 ELM ST, COBLESKILL, NY 12043-4674 |
| Document Number | 0001184/96 |
| Book / Page | 1184 / 96 |
| Instrument Date | Jan 12, 2023 |
| Instrument | 820481 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2023 |
| 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 | 1218 CENTRAL AVE # STE10, STE10, ALBANY, NY 12205-5313 |
| Document Number | 0000820482 |
|---|---|
| Date | Feb 08, 2023 |
| Instrument | 820482 |
| Name | BANKPROV |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Schoharie County and Cobleskill Town records · Assessment roll updated May 14, 2026 · Last verified May 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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,778.00 (+6.61%) | $116,200 (-) Land $12,700 Building $103,500 | $237,143 (+16.33%) Land $25,918 Building $211,225 |
| 2023 | $116,200 Land $12,700 Building $103,500 | $203,860 Land $22,281 Building $181,579 | |
| 2020 | $6,358.00 |
Source: FEMA National Flood Hazard Layer, Schoharie County (36095C), updated February 16, 2012 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 55% of New York |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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