Schoharie County and Cobleskill Town property record for 172 Elm St, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 2,295 sqft · built 1890 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $305,000 (Jan 2021) |
| Tax Bill | $5,288 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit Jan 2021 Sale & Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 432601 56.17-1-13 |
| Primary APN | 432601 56.17-1-13 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,295 sqft Living Area |
| 1st Floor Area | 1,093 sqft |
| 2nd Floor Area | 1,202 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 17,424 sqft (0.4 acres) |
| Lot Dimensions | 225 ft deep x 70 ft wide |
| Garage Type | Detached |
| Garage Area | 792 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 227 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 431A100877 |
|---|---|
| Street Address | 172 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 |
| Legal Block | 1 |
| Legal Lot Number | 13.000 |
| 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 | 172 ELM ST, COBLESKILL, NY 12043-4674 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 3, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU |
| Jan 15, 2021 | Warranty Deed, Transfer · Stand-Alone Refinance COMMUNITY BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 15, 2021 · Amount on Record |
| Deed Sale | Jan 15, 2021 · Amount on Record |
| Prior Sale | Jan 15, 2021 · Amount on Record |
| Deed Document Number | 2021783752 |
| Deed Book / Page | 1129 / 201 |
| Prior Transfer Date | Apr 10, 2007 |
| Prior Transfer Doc | 0000000835/000000003 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 172 ELM ST, COBLESKILL, NY 12043-4674 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001998/55 |
|---|---|
| Date | Jun 3, 2022 |
| Book Page | 1998/55 |
| Instrument | 811114 |
| Name | FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 1, 2037 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Jan 15, 2021 |
| Property Address | 172 ELM ST, COBLESKILL, NY 12043-4674 |
| Document Number | 001129/189 |
| Book / Page | 1129 / 189 |
| Instrument Date | Dec 24, 2020 |
| Instrument | 783739 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|
| Document Number | 783744 |
|---|---|
| Date | Jan 15, 2021 |
| Instrument | 783744 |
| Name | COMMUNITY BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
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 | $5,288.00 (-45.58%) | $86,300 (-) Land $8,800 Building $77,500 | $176,122 (+16.33%) Land $17,959 Building $158,163 |
| 2023 | $86,300 Land $8,800 Building $77,500 | $151,404 Land $15,439 Building $135,965 | |
| 2020 | $9,717.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures