178 Pine Hill Rd, Cobleskill, NY 12043 Property Records

Schoharie County and Seward Town property record for 178 Pine Hill Rd, Cobleskill, NY 12043 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.5 ba · 2,740 sqft · built 1880
Lot Size	1.17 acres (50,965 sqft)
Owner	Individual Name on File
Tax Bill	$4,203 (2025)
Deeds & Mortgages	Oct 2024 Sale & Refinance
Flood Zone	Zone X (minimal risk)
APN	`434400 31.-1-10`

Property Details

APN / Parcel Number

Primary APN	`434400 31.-1-10`
Alternative APNs	`440003100000010100000000` `525J189030`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,740 sqft Living Area
1st Floor Area	1,485 sqft
2nd Floor Area	1,025 sqft
Upper Floors Area	230 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	50,965 sqft (1.17 acres)
Lot Width	182 ft Width
Garage Type	Detached
Garage Area	1,260 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	245 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	525J189030
Street Address	178 PINE HILL RD
City	COBLESKILL
State	NY
Zip	12043-7039
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & 2 CAR GARAGE
Legal Block	1
Legal Lot Number	10.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	SEWARD
Census Block Group	3
Census Block	3082
Census Tract	740400

Owner

Source: Schoharie County and Seward Town records · APN 434400 31.-1-10

Assessment roll updated May 14, 2026 · Last verified May 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 File
Mailing Address	178 PINE HILL RD, COBLESKILL, NY 12043-7039
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Jun 08, 2026

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Oct 17, 2024
Property Address	178 PINE HILL RD, COBLESKILL, NY 12043-7039
Document Number	001221/231
Book / Page	1221 / 231
Instrument Date	Sep 26, 2024
Instrument	826660
Transaction Type	Transfer
Record Updated	Apr 16, 2026

Transaction

Amount	Amount Recorded
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	178 PINE HILL RD, COBLESKILL, NY 12043-7039

Mortgage

Document Number	002093/194
Date	Oct 17, 2024
Book Page	2093/194
Instrument	826661

Lender

Name	UNITED STATES OF AMERICA

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2054

Tax Assessment & Valuation

Source: Schoharie County and Seward Town records · Assessment roll updated May 14, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	New York
County	Schoharie County
County Subdivision	Seward Town
Unified School District	Cobleskill-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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,203.00 (-23.26%)	$82,000 (-) Land $10,200 Building $71,800	$200,000 (+21.95%) Land $24,878 Building $175,122
2023		$82,000 Land $10,200 Building $71,800	$164,000 Land $20,400 Building $143,600
2020	$5,477.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schoharie County (36095C), updated February 16, 2012 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360957404003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (2011–2015)
Most Recent Claim	Feb 2015, other causes
Claims By Storm	Hurricane Irene, Aug 2011 · 2 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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, availability as of December 31, 2025 · Published October 2026 · based on 6 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.