Schoharie County and Seward Town property record for 178 Jersey Ln, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,032 sqft · built 1987 |
| Lot Size | 5.01 acres (218,236 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $135,000 (Jul 2020) |
| Tax Bill | $5,466 (2026) |
| Deeds & Mortgages | Dec 2024 Sale & Mortgage Jul 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 434400 33.-5-31 |
| Primary APN | 434400 33.-5-31 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,032 sqft Living Area |
| 1st Floor Area | 1,032 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 218,236 sqft (5.01 acres) |
| Lot Width | 285 ft Width |
| Garage Type | Detached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 160 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Account Number | 525J190020 |
|---|---|
| Street Address | 178 JERSEY LN |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-7614 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OS |
| Legal Description | STCK BUILT HSE 24X36 1989 |
| Legal Block | 5 |
| Legal Lot Number | 31.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | SEWARD |
| Census Block Group | 3 |
| Census Block | 3065 |
| Census Tract | 740400 |
Source: Schoharie County and Seward Town records, as of October 20, 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 | 178 JERSEY LN, COBLESKILL, NY 12043-7614 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 31, 2024 | Warranty Deed, Transfer · FHA Mortgage HOMESTEAD FUNDING CORP |
| Jul 1, 2020 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 2020 · Amount on Record |
| Deed Sale | Jul 1, 2020 · Amount on Record |
| Prior Sale | Aug 26, 2016 · Amount on Record |
| Deed Document Number | 2020776346 |
| Deed Book / Page | 1114 / 237 |
| Prior Transfer Date | Aug 18, 2016 |
| Prior Transfer Doc | 0000001028/000000001 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Dec 31, 2024 |
| Property Address | 178 JERSEY LN, COBLESKILL, NY 12043-7614 |
| Document Number | 001226/208 |
| Book / Page | 1226 / 208 |
| Instrument Date | Dec 27, 2024 |
| Instrument | 827396 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| 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 | 47 CHURCH ST APT 8, 8, CANAJOHARIE, NY 13317-1149 |
| Document Number | 0002102/88 |
|---|---|
| Date | Dec 31, 2024 |
| Book Page | 2102/88 |
| Instrument | 827397 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Jul 1, 2020 |
| Property Address | 178 JERSEY LN, COBLESKILL, NY 12043-7614 |
| Document Number | 001114/237 |
| Book / Page | 1114 / 237 |
| Instrument Date | Jun 26, 2020 |
| Instrument | 776346 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 326 TAYLOR RD, STAMFORD, NY 12167-1966 |
Source: Schoharie County and Seward Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Seward Town |
| Unified School District | Cobleskill-Richmondville Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,466.00 (+9.71%) | ||
| 2025 | $4,982.00 (+5.37%) | $97,200 (-) Land $20,400 Building $76,800 | $237,073 (+21.95%) Land $49,756 Building $187,317 |
| 2023 | $97,200 Land $20,400 Building $76,800 | $194,400 Land $40,800 Building $153,600 | |
| 2020 | $4,728.00 |
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 | 3 (2011–2015) |
| Most Recent Claim | Feb 2015 · other causes |
| 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 | 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 |
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