Schoharie County and Seward Town property record for 1879 State Rte 165, Cobleskill, NY 12043
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 2 ba · 1,832 sqft · built 1790 |
| Lot Size | 49.4 acres (2,151,864 sqft) |
| Owner | Individual Name on File |
| Last Sale | $150,000 (May 2010) |
| Tax Bill | $7,421 (2026) |
| Deeds & Mortgages | Dec 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 434400 40.-1-18 |
| Primary APN | 434400 40.-1-18 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,832 sqft Living Area |
| 1st Floor Area | 1,138 sqft |
| 2nd Floor Area | 694 sqft |
| Year Built | Built 1790 |
|---|---|
| Effective Year Built | Effective 1790 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 2,151,864 sqft (49.4 acres) |
| Lot Width | 882 ft Width |
| Garage Type | Detached |
| Garage Area | 1,200 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Porch |
| Porch Area | 121 sqft |
| Poultry House | Poultry House |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 525J101475 |
|---|---|
| Street Address | 1879 STATE ROUTE 165 |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-7203 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | RA |
| Legal Description | HSE & LAND |
| Legal Block | 1 |
| Legal Lot Number | 18.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | SEWARD |
| Census Block Group | 3 |
| Census Block | 3088 |
| Census Tract | 740400 |
1879 State Rte 165, a rural home, is owned by an individual who bought it in May 2010.
Source: Schoharie County and Seward Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 37 NATICK ST, ALBANY, NY 12205-3435 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 21, 2010 · Amount on File |
| Deed Sale | May 21, 2010 · Amount on File |
| Deed Book / Page | 899 / 175 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 1879 STATE ROUTE 165, COBLESKILL, NY 12043-7203 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1909/93 |
|---|---|
| Date | Dec 16, 2020 |
| Book Page | 1909/93 |
| Instrument | 782866 |
| Name | STATE EMPLOYEES CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2036 |
The 2026 property tax bill for 1879 State Rte 165 was $7,421, up 9.8% from the year before.
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 | $7,421.00 (+9.78%) | ||
| 2025 | $6,760.00 | $131,900 Land $53,600 Building $78,300 | $321,707 Land $130,732 Building $190,975 |
| 2023 | $131,900 Land $53,600 Building $78,300 | $263,800 Land $107,200 Building $156,600 | |
| 2020 | $6,534.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1879 State Rte 165 in Zone X, an area of minimal flood risk, though there have been 3 flood claims 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 | 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.
Wildfire risk around 1879 State Rte 165 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.
Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
4G LTE (outdoors only), no 5G reported
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