Schoharie County and Cobleskill Town property record for 167 Elm St, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 2,528 sqft · built 1910 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | Company Name on File |
| Last Sale | $780,000 (Feb 2023) |
| Tax Bill | $6,553 (2026) |
| Deeds & Mortgages | May 2023 Refinance Feb 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 432601 68.5-2-2 |
| Primary APN | 432601 68.5-2-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 2,528 sqft Living Area |
| 1st Floor Area | 1,264 sqft |
| 2nd Floor Area | 1,264 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 8,276 sqft (0.19 acres) |
| Lot Dimensions | 175 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 339 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 431A101123 |
|---|---|
| Street Address | 167 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 | 2.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 5 |
| Census Block | 5012 |
| Census Tract | 740200 |
167 Elm St is owned by a company that bought it in February 2023.
Source: Schoharie County and Cobleskill Town records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 86 MAIN ST, 304, AUBURN, ME 04210-5799 |
| Owner Type | Company |
| Vesting | Company |
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 |
|---|---|
| May 26, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance THE BANCORP BANK |
| Feb 8, 2023 | Deed, Transfer · Stand-Alone First Mortgage BANKPROV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 8, 2023 · Amount on File |
| Deed Sale | Feb 8, 2023 · Amount on File |
| Deed Document Number | 2023820481 |
| Deed Book / Page | 1184 / 96 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 167 ELM ST, COBLESKILL, NY 12043-4673 |
| 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 on Record |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Feb 8, 2023 |
| Property Address | 167 ELM ST, COBLESKILL, NY 12043-4673 |
| 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 on Record |
|---|---|
| Downpayment | Downpayment on Record |
| 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 8, 2023 |
| Instrument | 820482 |
| Name | BANKPROV |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 167 Elm St was $6,553, 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 | $6,553.00 (+5.18%) | ||
| 2025 | $6,230.00 | $106,800 Land $8,500 Building $98,300 | $217,959 Land $17,347 Building $200,612 |
| 2023 | $106,800 Land $8,500 Building $98,300 | $187,368 Land $14,912 Building $172,456 | |
| 2020 | $5,281.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 167 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 167 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 |
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