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178 Elm St, Cobleskill, NY 12043 Property Records

Schoharie County and Cobleskill Town property record for 178 Elm St, Cobleskill, NY 12043

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,600 sqft · built 1930
Lot Size0.2 acres (8,712 sqft)
Owner2 Company Names on File
Last Sale$160,000 (Feb 2021)
Tax Bill$4,935 (2025)
Deeds & MortgagesDec 2024 Sale
Feb 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN432601 56.17-1-15

Property Details

APN / Parcel Number

Primary APN432601 56.17-1-15
Alternative APNs
  • 260105601700010150000000
  • 431A101407

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,600 sqft Living Area
1st Floor Area976 sqft
2nd Floor Area624 sqft

Exterior

Year BuiltBuilt 1930
Effective Year BuiltEffective 1930
Architectural StyleTraditional
Exterior MaterialAluminum/Vinyl
Lot Area8,712 sqft (0.2 acres)
Lot Dimensions125 ft deep x 56 ft wide
Garage TypeDetached
Garage Area529 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area176 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelOil
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number431A101407
Street Address178 ELM ST
CityCOBLESKILL
StateNY
Zip12043-4679
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionHOUSE GARAGE
Legal Block1
Legal Lot Number15.000
JurisdictionSCHOHARIE NY
Township / Civil DivisionCOBLESKILL
Census Block Group3
Census Block3004
Census Tract740200

Owner

Source: Schoharie County and Cobleskill Town assessment roll, APN 432601 56.17-1-15, as of May 14, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Company Names on File
Mailing Address178 ELM ST, COBLESKILL, NY 12043-4679
Owner TypeCompany
VestingTrust, Irrevocable Living Trust

Deeds, Mortgages & Sale History

DateDocument
Dec 12, 2024Warranty Deed, Transfer
Feb 12, 2021Warranty Deed, Transfer · FHA Mortgage
TRUSTCO BANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 12, 2021 · Amount on Record
Deed SaleFeb 12, 2021 · Amount on Record
Prior SaleJan 28, 2010 · Amount on Record
Deed Document Number2021784621
Deed Book / Page1131 / 151
Last Transfer DateNov 14, 2024
Transfer Doc0000827236
Record UpdatedSep 20, 2026

December 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHOHARIE NY
Recording DateDec 12, 2024
Property Address178 ELM ST, COBLESKILL, NY 12043-4679
Document Number001225/190
Book / Page1225 / 190
Instrument DateNov 14, 2024
Instrument827236
Transaction TypeTransfer
Record UpdatedApr 16, 2026

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipIrrevocable Living Trust
Address13 MONROE AVE, LATHAM, NY 12110-4437

February 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHOHARIE NY
Recording DateFeb 12, 2021
Property Address178 ELM ST, COBLESKILL, NY 12043-4679
Document Number001131/151
Book / Page1131 / 151
Instrument DateFeb 08, 2021
Instrument784621
Transaction TypeTransfer
Record UpdatedMay 12, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address13 MONROE AVE, LATHAM, NY 12110-4437

Mortgage

Document Number0000784622
DateFeb 12, 2021
Instrument784622
Lender
NameTRUSTCO BANK
TypeBank
Agreement
TypeFHA Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: Schoharie County and Cobleskill Town assessment roll as of May 14, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateNew York
CountySchoharie County
County SubdivisionCobleskill Town
MunicipalityCobleskill Village
Unified School DistrictCobleskill-Richmondville Central School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$4,935.00 (+21.34%)$84,600 (-) Land $8,100 Building $76,500$172,653 (+16.33%) Land $16,531 Building $156,122
2023$84,600 Land $8,100 Building $76,500$148,421 Land $14,211 Building $134,210
2020$4,067.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schoharie County (36095C), as of February 16, 2012 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360957402003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies4 in force
Nearby Flood Claims5 (1996–2011)
Most Recent ClaimAug 2011 · Hurricane Irene
Claims by Event
  • Hurricane Irene, Aug 2011 · 2 claims

Wildfire

Wildfire RiskLow
lower than 80% of the US · above 54% of New York
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, 249 locations within half a mile, as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System, water system NY4700094, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemCOBLESKILL VILLAGE
serves 4,678 people
Water SourceSurface water
Last State InspectionOct 2023
Lead3 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityTurbidity
resolved · Aug 2024
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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