Schoharie County and Cobleskill Town property record for 192 Elm St, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,100 sqft · built 1920 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $118,000 (Jul 2020) |
| Tax Bill | $4,299 (2025) |
| Deeds & Mortgages | Nov 2022 Refinance Dec 2022 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 432601 67.8-2-11 |
| Primary APN | 432601 67.8-2-11 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 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 |
| Garage Type | Attached |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
|---|---|
| Porch Area | 104 sqft |
| Patio Area | 198 sqft |
| Canopy | 165 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 431A101195 |
|---|---|
| Street Address | 192 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 | 11.000 |
| 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 May 14, 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 | 192 ELM ST, COBLESKILL, NY 12043-4682 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 9, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance BROADVIEW FEDERAL CREDIT UNION |
| Dec 9, 2022 | Deed of Trust, Mortgage · Line of Credit BROADVIEW FEDERAL CREDIT UNION |
| Nov 9, 2022 | Warranty Deed, Transfer |
| Aug 10, 2018 | Deed of Trust, Mortgage FIRST NEW YORK FEDERAL CREDIT UNION |
| Jul 2, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance STATE EMPLOYEES FCU |
| Aug 10, 2018 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 2, 2020 · Amount on Record |
| Deed Sale | Jul 2, 2020 · Amount on Record |
| Prior Sale | Dec 26, 2013 · Amount on Record |
| Deed Document Number | 2020776369 |
| Deed Book / Page | 1114 / 256 |
| Last Transfer Date | Oct 14, 2022 |
| Transfer Doc | 001177/226 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 192 ELM ST, COBLESKILL, NY 12043-4682 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2024 |
| Title Company | MISC COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0002020/43 |
|---|---|
| Date | Nov 9, 2022 |
| Book Page | 2020/43 |
| Instrument | 819424 |
| Name | BROADVIEW FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 192 ELM ST, COBLESKILL, NY 12043-4682 |
| Transaction Type | Mortgage |
| Record Updated | Dec 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 002024/154 |
|---|---|
| Date | Dec 9, 2022 |
| Book Page | 2024/154 |
| Instrument | 819826 |
| Name | BROADVIEW FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jan 1, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Nov 9, 2022 |
| Property Address | 192 ELM ST, COBLESKILL, NY 12043-4682 |
| Document Number | 001177/226 |
| Book / Page | 1177 / 226 |
| Instrument Date | Oct 14, 2022 |
| Instrument | 819423 |
| Transaction Type | Transfer |
| Record Updated | Nov 29, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 192 ELM ST, COBLESKILL, NY 12043-4682 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 192 ELM ST, COBLESKILL, NY 12043-4682 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001811/0000000149 |
|---|---|
| Date | Aug 10, 2018 |
| Book Page | 0000001811/0000000149 |
| Instrument | 000000747488 |
| Name | FIRST NEW YORK FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|---|
| Term | 353 Months |
| Due | Jan 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 192 ELM ST, COBLESKILL, NY 12043-4682 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1885/41 |
|---|---|
| Date | Jul 2, 2020 |
| Book Page | 1885/41 |
| Instrument | 776370 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Aug 10, 2018 |
| Property Address | 192 ELM ST, COBLESKILL, NY 12043-4682 |
| Document Number | 0001074/24 |
| Book / Page | 1074 / 24 |
| Instrument Date | Jul 19, 2018 |
| Instrument | 000000747487 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4050 PLAINS RD, MASON, MI 48854-9760 |
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 |
|---|---|---|---|
| 2025 | $4,299.00 (+11%) | $70,800 (-) Land $7,800 Building $63,000 | $144,490 (+16.33%) Land $15,918 Building $128,572 |
| 2023 | $70,800 Land $7,800 Building $63,000 | $124,211 Land $13,684 Building $110,527 | |
| 2020 | $3,873.00 |
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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