177 Elm St, Cobleskill, NY 12043 Property Records

Schoharie County and Cobleskill Town property record for 177 Elm St, Cobleskill, NY 12043

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,122 sqft · built 1940
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$153,700 (Feb 2022)
Tax Bill	$6,765 (2026)
Deeds & Mortgages	Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`432601 68.5-1-8`

Property Details

APN / Parcel Number

Primary APN	`432601 68.5-1-8`
Alternative APNs	`260106800500010080000000` `431A100975`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,122 sqft Living Area
1st Floor Area	594 sqft
2nd Floor Area	528 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	114 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	198 sqft
Porch	Patio
Porch Area	112 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	431A100975
Street Address	177 ELM ST
City	COBLESKILL
State	NY
Zip	12043-4681
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HSE GARAGE ATT
Legal Block	1
Legal Lot Number	8.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	COBLESKILL
Census Block Group	3
Census Block	3012
Census Tract	740200

Owner

177 Elm St is owned and occupied by an individual who bought it in February 2022.

Source: Schoharie County and Cobleskill Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	177 ELM ST, COBLESKILL, NY 12043-4681
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2022 · Amount on File
Deed Sale	Feb 7, 2022 · Amount on File
Prior Sale	Apr 2, 2009 · Amount on File
Deed Document Number	2022805034
Deed Book / Page	1157 / 8
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Feb 7, 2022
Property Address	177 ELM ST, COBLESKILL, NY 12043-4681
Document Number	00001157/8
Book / Page	1157 / 8
Instrument Date	Jan 31, 2022
Instrument	805034
Transaction Type	Transfer
Record Updated	Mar 1, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 6042, SCHENECTADY, NY 12306-0042

Mortgage

Document Number	0000805035
Date	Feb 7, 2022
Instrument	805035

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 177 Elm St was $6,765, up 34.1% from the year before.

Source: Schoharie County and Cobleskill Town assessment roll, as of May 14, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,765.00 (+34.09%)
2025	$5,045.00	$85,800 Land $8,100 Building $77,700	$175,102 Land $16,531 Building $158,571
2023		$85,800 Land $8,100 Building $77,700	$150,526 Land $14,210 Building $136,316
2020	$4,261.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 177 Elm St in Zone X, an area of minimal flood risk, though there have been 5 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	4 in force
Nearby Flood Claims	5 (1996–2011)
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 2 claims

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

Wildfire risk around 177 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	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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