Schoharie County and Cobleskill Town property record for 175 Elm St, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,490 sqft · built 1950 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $107,000 (Dec 2019) |
| Tax Bill | $4,577 (2026) |
| Deeds & Mortgages | Oct 2025 Line of Credit Sep 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 432601 68.5-1-9 |
| Primary APN | 432601 68.5-1-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,490 sqft Living Area |
| 1st Floor Area | 1,012 sqft |
| Upper Floors Area | 478 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Cape Cod |
| Exterior Material | Brick |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 120 ft deep x 79.6 ft wide |
| Garage Type | Attached |
| Garage Area | 294 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 431A101050 |
|---|---|
| Street Address | 175 ELM ST |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-4681 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | BRICK HOUSE & GAR |
| Legal Block | 1 |
| Legal Lot Number | 9.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 740200 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 175 ELM ST, COBLESKILL, NY 12043-4681 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 20, 2025 | Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU |
| Sep 20, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance TRUSTCO BANK |
| Dec 20, 2019 | Warranty Deed, Transfer · Stand-Alone First Mortgage TRUSTCO BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 20, 2019 · Amount on Record |
| Deed Sale | Dec 20, 2019 · Amount on Record |
| Prior Sale | May 28, 2015 · Amount on Record |
| Deed Document Number | 2019771506 |
| Deed Book / Page | 1105 / 79 |
| Prior Transfer Date | Jan 26, 2009 |
| Prior Transfer Doc | 0000000875/000000009 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 175 ELM ST, COBLESKILL, NY 12043-4681 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2025 |
| Name | Verified Name |
|---|
| Document Number | 002131/182 |
|---|---|
| Date | Oct 20, 2025 |
| Book Page | 2131/182 |
| Instrument | 830195 |
| Name | FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Nov 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 175 ELM ST, COBLESKILL, NY 12043-4681 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1953/160 |
|---|---|
| Date | Sep 20, 2021 |
| Book Page | 1953/160 |
| Instrument | 796046 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Dec 20, 2019 |
| Property Address | 175 ELM ST, COBLESKILL, NY 12043-4681 |
| Document Number | 0001105/79 |
| Book / Page | 1105 / 79 |
| Instrument Date | Dec 11, 2019 |
| Instrument | 771506 |
| 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 |
|---|---|
| Address | 117 DIBBLE HOLLOW RD, SLOANSVILLE, NY 12160-2503 |
| Document Number | 001863/108 |
|---|---|
| Date | Dec 20, 2019 |
| Book Page | 1863/108 |
| Instrument | 771508 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Jan 1, 2049 |
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 | $4,577.00 (+5.19%) | ||
| 2025 | $4,351.00 (-2.6%) | $74,600 (-) Land $9,600 Building $65,000 | $152,245 (+16.33%) Land $19,592 Building $132,653 |
| 2023 | $74,600 Land $9,600 Building $65,000 | $130,877 Land $16,842 Building $114,035 | |
| 2020 | $4,467.00 |
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 |
| 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 |
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