187 Hill Rd, Cobleskill, NY 12043 Property Records

Schoharie County and Seward Town property record for 187 Hill Rd, Cobleskill, NY 12043

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,789 sqft · built 1875
Lot Size	1.1 acres (47,916 sqft)
Owner	2 Individual Names on File
Last Sale	$50,000 (May 2018)
Tax Bill	$3,987 (2026)
Deeds & Mortgages	Oct 2022 Line of Credit Oct 2020 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`434400 66.-3-11`

Property Details

APN / Parcel Number

Primary APN	`434400 66.-3-11`
Alternative APNs	`440006600000030110000000` `525J101523`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	2,789 sqft Living Area
1st Floor Area	1,689 sqft
2nd Floor Area	1,100 sqft

Exterior

Year Built	Built 1875
Effective Year Built	Effective 1875
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	47,916 sqft (1.1 acres)
Lot Width	198 ft Width
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	525J101523
Street Address	187 HILL RD
City	COBLESKILL
State	NY
Zip	12043-6219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	R1
Legal Block	3
Legal Lot Number	11.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	SEWARD
Census Block Group	4
Census Block	4050
Census Tract	740400

Owner

187 Hill Rd is owned and occupied by two individuals who bought it in May 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	187 HILL RD, COBLESKILL, NY 12043-6219
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

Date	Document
Oct 17, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF RICHMONDVILLE
Oct 9, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF RICHMONDVILLE
Jun 18, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF RICHMONDVILLE
May 14, 2018	Deed of Trust, Mortgage BANK OF RICHMONDVILLE
May 14, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2018 · Amount on File
Deed Sale	May 14, 2018 · Amount on File
Deed Document Number	2018741056
Deed Book / Page	1069 / 153
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	187 HILL RD, COBLESKILL, NY 12043-6219
Transaction Type	Mortgage
Record Updated	Nov 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002017/111
Date	Oct 17, 2022
Book Page	2017/111
Instrument	818568

Lender

Name	BANK OF RICHMONDVILLE

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	187 HILL RD, COBLESKILL, NY 12043-6219
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1898/136
Date	Oct 9, 2020
Book Page	1898/136
Instrument	780909

Lender

Name	BANK OF RICHMONDVILLE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Nov 1, 2030

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	187 HILL RD, COBLESKILL, NY 12043-6219
Transaction Type	Mortgage
Record Updated	Jul 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001806/0000000254
Date	Jun 18, 2018
Book Page	0000001806/0000000254
Instrument	000000742468

Lender

Name	BANK OF RICHMONDVILLE
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	187 HILL RD, COBLESKILL, NY 12043-6219
Transaction Type	Mortgage
Record Updated	Jun 7, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001803/0000000001
Date	May 14, 2018
Book Page	0000001803/0000000001
Instrument	000000741057

Lender

Name	BANK OF RICHMONDVILLE
Type	Bank

Agreement

Amount	Amount on Record
Term	116 Months
Due	Jan 1, 2028

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	May 14, 2018
Property Address	187 HILL RD, COBLESKILL, NY 12043-6219
Document Number	001069/153
Book / Page	1069 / 153
Instrument Date	Apr 9, 2018
Instrument	000000741056
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Amount	Amount 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	5633, SCHOHARIE, NY 12157

Tax Assessment & Valuation

The 2026 property tax bill for 187 Hill Rd was $3,987, up 9.7% from the year before.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,987.00 (+9.71%)
2025	$3,634.00	$70,900 Land $10,300 Building $60,600	$172,927 Land $25,122 Building $147,805
2023		$70,900 Land $10,300 Building $60,600	$141,800 Land $20,600 Building $121,200
2020	$3,500.00

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

Flood

FEMA maps place 187 Hill Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

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	3 in force
Nearby Flood Claims	1 (2011)
Most Recent Claim	Aug 2011 · Hurricane Irene

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 187 Hill Rd 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

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 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Hill Rd

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