Schoharie County and Cobleskill Town property record for 174 Shad Point Rd, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,500 sqft · built 2004 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $18,000 (Aug 2004) |
| Tax Bill | $4,801 (2026) |
| Deeds & Mortgages | Jul 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 432689 57.-4-26 |
| Primary APN | 432689 57.-4-26 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,500 sqft Living Area |
| 1st Floor Area | 1,500 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 217,800 sqft (5 acres) |
| Lot Width | 200 ft Width |
| Pool Type | Above-Ground Pool |
|---|---|
| Porch | Slab |
| Porch Area | 192 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 435J192013 |
|---|---|
| Street Address | 174 SHAD POINT RD |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-5432 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Block | 4 |
| Legal Lot Number | 26.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 740200 |
174 Shad Point Rd is owned and occupied by two individuals who bought it in August 2004.
Source: Schoharie County and Cobleskill Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 174 SHAD POINT RD, COBLESKILL, NY 12043-5432 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2004 · Amount on File |
| Deed Sale | Aug 31, 2004 · Amount on File |
| Deed Book / Page | 769 / 18 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 174 SHAD POINT RD, COBLESKILL, NY 12043-5432 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 000000722666 |
|---|---|
| Date | Jul 12, 2017 |
| Book Page | 0000001765/0000000047 |
| Instrument | 000000722666 |
| Name | FIRST NEW YORK FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 174 Shad Point Rd was $4,801 with a homeowner's exemption, up 6.1% 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 |
| Unified School District | Cobleskill-Richmondville Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,801.00 (+6.08%) Homeowner's exemption | ||
| 2025 | $4,526.00 | $99,600 Land $18,000 Building $81,600 | $203,265 Land $36,735 Building $166,530 |
| 2023 | $99,600 Land $18,000 Building $81,600 | $174,737 Land $31,579 Building $143,158 | |
| 2020 | $3,842.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 174 Shad Point Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1996.
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 | 1 in force |
| Nearby Flood Claims | 3 (1996–2011) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
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 174 Shad Point Rd 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: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: MIDTEL, Verizon.
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