190 Elm St, Cobleskill, NY 12043 Property Records

Schoharie County and Cobleskill Town property record for 190 Elm St, Cobleskill, NY 12043

Property Summary

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	Individual Name on Record
Last Sale	$77,300 (Mar 2019)
Tax Bill	$4,602 (2026)
Deeds & Mortgages	Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`432601 67.8-2-10`

Property Details

APN / Parcel Number

Primary APN	`432601 67.8-2-10`
Alternative APNs	`260106700800020100000000` `431A100650`

Interior

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

Exterior

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
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	104 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	431A100650
Street Address	190 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
Legal Block	2
Legal Lot Number	10.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	COBLESKILL
Census Block Group	3
Census Block	3006
Census Tract	740200

Owner

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	190 ELM ST, COBLESKILL, NY 12043-4682
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 13, 2019 · Amount on Record
Deed Sale	Mar 13, 2019 · Amount on Record
Prior Sale	Feb 28, 2011 · Amount on Record
Deed Document Number	2019758040
Deed Book / Page	1088 / 8
Record Updated	Oct 29, 2026

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Mar 13, 2019
Property Address	190 ELM ST, COBLESKILL, NY 12043-4682
Document Number	00001088/8
Book / Page	1088 / 8
Instrument Date	Mar 6, 2019
Instrument	758040
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	106 MORGAN DR, COBLESKILL, NY 12043-3622

Mortgage

Document Number	001832/173
Date	Mar 13, 2019
Book Page	1832/173
Instrument	758041

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

Source: Schoharie County and Cobleskill Town assessment roll, as of May 14, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,602.00 (+5.19%)
2025	$4,375.00	$75,000 (-) Land $7,800 Building $67,200	$153,061 (+16.33%) Land $15,918 Building $137,143
2023		$75,000 (-) Land $7,800 Building $67,200	$131,579 (+12.28%) Land $13,684 Building $117,895
2022		$75,000 Land $7,800 Building $67,200	$117,188 Land $12,188 Building $105,000
2020	$4,103.00

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

Flood

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	Hurricane Irene, Aug 2011 · 2 claims

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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