Schoharie County and Cobleskill Town property record for 188 Elm St, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,100 sqft · built 1920 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $30,551 (Apr 1998) |
| Tax Bill | $5,453 (2026) |
| Deeds & Mortgages | Mar 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 432601 67.8-2-9 |
| Primary APN | 432601 67.8-2-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,100 sqft Living Area |
| 1st Floor Area | 550 sqft |
| 2nd Floor Area | 550 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,356 sqft (0.1 acres) |
| Lot Dimensions | 125 ft deep x 47 ft wide |
| Porch | Slab |
| Porch Area | 104 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 431A101404 |
|---|---|
| Street Address | 188 ELM ST |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-4682 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HOUSE GARAGE |
| Legal Block | 2 |
| Legal Lot Number | 9.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 740200 |
Source: Schoharie County and Cobleskill Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 188 ELM ST, COBLESKILL, NY 12043-4682 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 24, 1998 · Amount on Record |
| Deed Sale | Apr 24, 1998 · Amount on Record |
| Prior Sale | May 8, 1997 · Amount on Record |
| Deed Book / Page | 631 / 234 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 188 ELM ST, COBLESKILL, NY 12043-4682 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001753/0000000036 |
|---|---|
| Date | Mar 8, 2017 |
| Book Page | 0000001753/0000000036 |
| Instrument | 000000714660 |
| Name | M&T BANK NA |
|---|
| Amount | Amount Recorded |
|---|
Source: Schoharie County and Cobleskill Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Cobleskill Town |
| Municipality | Cobleskill Village |
| Unified School District | Cobleskill-Richmondville Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,453.00 (+30.55%) Homeowner's exemption | ||
| 2025 | $4,177.00 (+4.35%) | $68,700 (-) Land $7,800 Building $60,900 | $140,204 (+16.33%) Land $15,918 Building $124,286 |
| 2023 | $68,700 Land $7,800 Building $60,900 | $120,526 Land $13,684 Building $106,842 | |
| 2020 | $4,003.00 |
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 | 5 (1996–2011) |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | COBLESKILL VILLAGE serves 4,678 people · EPA ID NY4700094 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2023 |
| Lead | 3 ppb (2021–2023) action level 15 ppb |
| Water Quality | Turbidity resolved · Aug 2024 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 249 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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