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195 North St, Cobleskill, NY 12043 Property Records

Schoharie County and Cobleskill Town property record for 195 North St, Cobleskill, NY 12043

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,655 sqft · built 1970
Lot Size0.44 acres (19,166 sqft)
OwnerIndividual Name on Record
Last Sale$130,000 (Nov 2025)
Tax Bill$6,534 (2026)
Deeds & MortgagesNov 2025 Sale & Mortgage
Sep 2022 Refinance
Flood ZoneZone X (minimal risk)
APN432601 56.13-5-3

Property Details

APN / Parcel Number

Primary APN432601 56.13-5-3
Alternative APNs
  • 260105601300050030000000
  • 431A100699

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,655 sqft Living Area
1st Floor Area1,655 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1970
Effective Year BuiltEffective 1970
Architectural StyleRanch
Exterior MaterialWood
Foundation TypeRaised
Lot Area19,166 sqft (0.44 acres)
Lot Dimensions120 ft deep x 157 ft wide
Garage TypeDetached
Garage Area672 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Heating FuelElectric
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number431A100699
Street Address195 NORTH ST
CityCOBLESKILL
StateNY
Zip12043-5156
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRM
Legal DescriptionRANCH HSE GAR
Legal Block5
Legal Lot Number3.000
JurisdictionSCHOHARIE NY
Township / Civil DivisionCOBLESKILL
Census Block Group4
Census Block4014
Census Tract740200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin the Cobleskill Historic District
listed 1978 · 188 contributing resources · NRIS 78001910

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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 RecordIndividual Name on Record
Mailing Address195 NORTH ST, COBLESKILL, NY 12043-5156
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 10, 2025Executor's Deed, Transfer
BANK OF RICHMONDVILLE
Sep 29, 2022Deed of Trust, Mortgage · Stand-Alone Refinance
DONNA BECKER

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 10, 2025 · Amount on Record
Deed SaleNov 10, 2025 · Amount on Record
Deed Document Number2025830403
Deed Book / Page1245 / 62
Record UpdatedOct 29, 2026

November 2025: Executor's Deed, Transfer

Document TypeExecutor's Deed
JurisdictionSCHOHARIE NY
Recording DateNov 10, 2025
Property Address195 NORTH ST, COBLESKILL, NY 12043-5156
Document Number0001245/62
Book / Page1245 / 62
Instrument DateOct 28, 2025
Instrument830403
Transaction TypeTransfer
Record UpdatedApr 16, 2026

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2174 STATE ROUTE 165, COBLESKILL, NY 12043-7008

Mortgage

Document Number0002134/24
DateNov 10, 2025
Book Page2134/24
Instrument830404
Lender
NameBANK OF RICHMONDVILLE
Agreement
AmountAmount Recorded
Term361 Months
DueDec 1, 2055

September 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHOHARIE NY
Property Address195 NORTH ST, COBLESKILL, NY 12043-5156
Transaction TypeMortgage
Record UpdatedOct 18, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number002015/194
DateSep 29, 2022
Book Page2015/194
Instrument818042
Lender
NameDONNA BECKER
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew York
CountySchoharie County
County SubdivisionCobleskill Town
MunicipalityCobleskill Village
Unified School DistrictCobleskill-Richmondville Central School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$6,534.00 (+26.41%)
2025$5,169.00 (+55.32%)$90,300 (-) Land $8,700 Building $81,600$184,286 (+16.33%) Land $17,755 Building $166,531
2023$90,300 Land $8,700 Building $81,600$158,421 Land $15,263 Building $143,158
2020$3,328.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies8 in force
Nearby Flood Claims2 (2011)
Claims Outside the SFHA1 of 2
Most Recent ClaimSep 2011 · Remnants Of Tropical Storm Lee
Claims by Event
  • Remnants Of Tropical Storm Lee, Sep 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 RiskLow
lower than 80% of the US · above 54% of New York
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation

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 SystemCOBLESKILL VILLAGE
serves 4,678 people · EPA ID NY4700094
Water SourceSurface water
Last State InspectionOct 2023
Lead3 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityTurbidity
resolved · Aug 2024
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 163 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20

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