194 Warnerville Cut Off, Cobleskill, NY 12043 Property Records

Schoharie County and Richmondville Town property record for 194 Warnerville Cut Off, Cobleskill, NY 12043

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,538 sqft · built 1940
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,103 (2026)
Flood Zone	Zone X (minimal risk)
APN	`434089 67.-4-9`

Property Details

APN / Parcel Number

Primary APN	`434089 67.-4-9`
Alternative APNs	`408906700000040090000000` `505J102833`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,538 sqft Living Area
1st Floor Area	1,692 sqft
Upper Floors Area	846 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Exterior Material	Wood
Lot Area	26,136 sqft (0.6 acres)
Lot Dimensions	125 ft deep x 200 ft wide
Garage Type	Detached
Garage Area	1,530 sqft
Parking Spaces	6 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	505J102833
Street Address	194 WARNERVILLE CUT OFF
City	COBLESKILL
State	NY
Zip	12043
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	4
Legal Lot Number	9.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	RICHMONDVILLE
Census Block Group	3
Census Block	3057
Census Tract	740500

Owner

Source: Schoharie County and Richmondville 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	2 Individual Names on Record
Mailing Address	PO BOX 125, WARNERVILLE, NY 12187-0125
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Schoharie County
County Subdivision	Richmondville Town
Unified School District	Cobleskill-Richmondville Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,103.00 (-0.93%) Homeowner's exemption Senior Citizen's exemption
2025	$7,170.00 (+29.94%)	$176,670 (-) Land $22,920 Building $153,750	$284,952 (+16.77%) Land $36,968 Building $247,984
2023		$176,670 Land $22,920 Building $153,750	$244,019 Land $31,657 Building $212,362
2020	$5,518.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	4 (2006–2013)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Jun 2013 · other causes

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 93% of the US · lower than 89% of New York
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30