Schoharie County and Cobleskill Town property record for 194 Elm St, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,100 sqft · built 1920 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $200,000 (Dec 2025) |
| Tax Bill | $3,436 (2026) |
| Deeds & Mortgages | Aug 2005 Mortgage Oct 2006 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 432601 67.8-2-12 |
| Primary APN | 432601 67.8-2-12 |
|---|---|
| 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 | Wood |
| Lot Area | 19,602 sqft (0.45 acres) |
| Lot Dimensions | 283 ft deep x 65 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 104 sqft |
| Canopy | 264 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 431A100669 |
|---|---|
| Street Address | 194 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 | 12.000 |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 33412 MANCHESTER RD, TEMECULA, CA 92592-5358 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 16, 2005 | Deed of Trust, Mortgage COUNTRYWIDE HOME LOAN |
| Oct 16, 2006 | Deed of Trust, Mortgage HOUSEHOLD REALTY CORP |
| Dec 18, 2025 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jan 27, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC |
| Jul 24, 2020 | Warranty Deed, Transfer · FHA Mortgage HOMESTEAD FUNDING CORP |
| Aug 16, 2005 | Deed, Transfer COUNTRYWIDE HOME LOAN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 18, 2025 · Amount on Record |
| Deed Sale | Dec 18, 2025 · Amount on Record |
| Prior Sale | Jan 27, 2022 · Amount on Record |
| Deed Document Number | 2025830753 |
| Deed Book / Page | 1247 / 215 |
| Prior Transfer Date | May 16, 2016 |
| Prior Transfer Doc | 0000001021/000000015 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 194 ELM ST, COBLESKILL, NY 12043-4682 |
| Transaction Type | Mortgage |
| Record Updated | Feb 4, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000001109/0000000348 |
|---|---|
| Date | Aug 16, 2005 |
| Book Page | 0000001109/0000000348 |
| Instrument | 0000443958 |
| Name | COUNTRYWIDE HOME LOAN |
|---|---|
| Type | Lending Institution |
| Amount | Amount Recorded |
|---|---|
| Term | 149 Months |
| Due | Jan 1, 2018 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 194 ELM ST, COBLESKILL, NY 12043-4682 |
| Transaction Type | Mortgage |
| Record Updated | Feb 4, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000001201/0000000045 |
|---|---|
| Date | Oct 16, 2006 |
| Book Page | 0000001201/0000000045 |
| Instrument | 0000461302 |
| Name | HOUSEHOLD REALTY CORP |
|---|---|
| Type | Funding / Finance Company |
| Amount | Amount Recorded |
|---|---|
| Term | 231 Months |
| Due | Jan 1, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Dec 18, 2025 |
| Property Address | 194 ELM ST, COBLESKILL, NY 12043-4682 |
| Document Number | 001247/215 |
| Book / Page | 1247 / 215 |
| Instrument Date | Dec 3, 2025 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| Title Company | SMPR TITLE |
| 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 | 194 ELM ST, COBLESKILL, NY 12043-4682 |
| Document Number | 0000830754 |
|---|---|
| Date | Dec 18, 2025 |
| Instrument | 830754 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Jan 27, 2022 |
| Property Address | 194 ELM ST, COBLESKILL, NY 12043-4682 |
| Document Number | 001156/143 |
| Book / Page | 1156 / 143 |
| Instrument Date | Jan 10, 2022 |
| Instrument | 804731 |
| Transaction Type | Transfer |
| Record Updated | Feb 15, 2022 |
| 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 |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 11615 STATE ROUTE 22, AUSTERLITZ, NY 12017-2107 |
| Document Number | 0000804733 |
|---|---|
| Date | Jan 27, 2022 |
| Instrument | 804733 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Jul 24, 2020 |
| Property Address | 194 ELM ST, COBLESKILL, NY 12043-4682 |
| Document Number | 776920 |
| Instrument Date | Jul 20, 2020 |
| Instrument | 776920 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 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 | 1497 2ND ST, RENSSELAER, NY 12144-1708 |
| Document Number | 001887/156 |
|---|---|
| Date | Jul 24, 2020 |
| Book Page | 1887/156 |
| Instrument | 776921 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Aug 16, 2005 |
| Property Address | 194 ELM ST, COBLESKILL, NY 12043-4682 |
| Document Number | 0000000792/0000000299 |
| Book / Page | 0000000792 / 0000000299 |
| Instrument Date | Jun 24, 2005 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2021 |
| Title Company | CRAIG MORLANG |
| 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 | 194 ELM ST, COBLESKILL, NY 12043-4682 |
| Document Number | 0000001109/0000000330 |
|---|---|
| Date | Aug 16, 2005 |
| Book Page | 0000001109/0000000330 |
| Instrument | 0000443957 |
| Name | COUNTRYWIDE HOME LOAN |
|---|---|
| Type | Lending Institution |
| Amount | Amount Recorded |
|---|---|
| Term | 269 Months |
| Due | Jan 1, 2028 |
| Rate | 8% |
|---|---|
| Type Change Date | Jan 7, 2008 |
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 | $3,436.00 (+5.21%) | ||
| 2025 | $3,266.00 (+14.24%) | $56,000 (-) Land $10,800 Building $45,200 | $114,286 (+11.84%) Land $22,041 Building $92,245 |
| 2024 | $2,859.00 | $56,000 (-) Land $10,800 Building $45,200 | $102,190 (+4.01%) Land $19,708 Building $82,482 |
| 2023 | $56,000 (-) Land $10,800 Building $45,200 | $98,246 (+12.28%) Land $18,947 Building $79,299 | |
| 2022 | $56,000 Land $10,800 Building $45,200 | $87,500 Land $16,875 Building $70,625 | |
| 2020 | $4,751.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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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