Schoharie County and Cobleskill Town property record for 188 Settles Mountain Rd, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,304 sqft · built 1991 |
| Lot Size | 4.88 acres (212,573 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $235,000 (Jun 2007) |
| Tax Bill | $9,204 (2026) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 432601 55.20-1-5 |
| Primary APN | 432601 55.20-1-5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,304 sqft Living Area |
| 1st Floor Area | 1,712 sqft |
| Basement Area | 592 sqft |
| Finished Basement | 592 sqft |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Split Level |
| Exterior Material | Wood |
| Lot Area | 212,573 sqft (4.88 acres) |
| Lot Width | 300 ft Width |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 431A187042 |
|---|---|
| Street Address | 188 SETTLES MOUNTAIN RD |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-7406 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Block | 1 |
| Legal Lot Number | 5.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 740200 |
Source: Schoharie County and Cobleskill 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 | 188 SETTLES MOUNTAIN RD, COBLESKILL, NY 12043-7406 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 4, 2007 · Amount on Record |
| Deed Sale | Jun 4, 2007 · Amount on Record |
| Prior Sale | Apr 17, 2006 · Amount on Record |
| Deed Book / Page | 837 / 29 |
| Last Transfer Date | Jul 2, 2021 |
| Transfer Doc | 0000791732 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Nov 22, 2021 |
| Property Address | 188 SETTLES MOUNTAIN RD, COBLESKILL, NY 12043-7406 |
| Document Number | 001151/197 |
| Book / Page | 1151 / 197 |
| Instrument Date | Nov 4, 2021 |
| Instrument | 798686 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| 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 | 2784 KELLOGG LOOP, LIVERMORE, CA 94550-7357 |
| Document Number | 0000798689 |
|---|---|
| Date | Nov 22, 2021 |
| Instrument | 798689 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| 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 | $9,204.00 (+5.2%) | ||
| 2025 | $8,749.00 (+11.95%) | $150,000 (-) Land $54,900 Building $95,100 | $306,122 (+16.33%) Land $112,041 Building $194,081 |
| 2023 | $150,000 Land $54,900 Building $95,100 | $263,158 Land $96,316 Building $166,842 | |
| 2020 | $7,815.00 |
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 | Direct burnable vegetation |
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 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures