195 Roberts Rd, Cobleskill, NY 12043 Property Records

Schoharie County and Cobleskill Town property record for 195 Roberts Rd, Cobleskill, NY 12043

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,152 sqft · built 1981
Lot Size	6 acres (261,360 sqft)
Owner	Individual Name on File
Last Sale	$237,000 (Sep 2021)
Tax Bill	$4,473 (2026)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`432689 69.-2-61`

Property Details

APN / Parcel Number

Primary APN	`432689 69.-2-61`
Alternative APNs	`268906900000020610000000` `435J181034`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	768 sqft
Upper Floors Area	384 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	261,360 sqft (6 acres)
Lot Width	105 ft Width
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	600 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	435J181034
Street Address	195 ROBERTS RD
City	COBLESKILL
State	NY
Zip	12043-5508
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	HOUSE
Legal Block	2
Legal Lot Number	61.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	COBLESKILL
Census Block Group	1
Census Block	1053
Census Tract	740200

Owner

195 Roberts Rd is owned and occupied by an individual who bought it in September 2021.

Source: Schoharie County and Cobleskill Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	195 ROBERTS RD, COBLESKILL, NY 12043-5508
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST NEW YORK FCU
Jul 17, 2020	Deed, Transfer · Stand-Alone First Mortgage STATE EMPLOYEES FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2021 · Amount on File
Deed Sale	Sep 17, 2021 · Amount on File
Prior Sale	Jul 17, 2020 · Amount on File
Deed Document Number	2021796030
Deed Book / Page	1146 / 295
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Sep 17, 2021
Property Address	195 ROBERTS RD, COBLESKILL, NY 12043-5508
Document Number	1146/295
Book / Page	1146 / 295
Instrument Date	Sep 9, 2021
Instrument	796030
Transaction Type	Transfer
Record Updated	Oct 5, 2021

Transaction

Amount	Amount on Record
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	108 MOHAWK DR, COBLESKILL, NY 12043-5198

Mortgage

Document Number	796032
Date	Sep 17, 2021
Instrument	796032

Lender

Name	FIRST NEW YORK FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Jul 17, 2020
Property Address	195 ROBERTS RD, COBLESKILL, NY 12043-5508
Document Number	776777
Instrument Date	Jun 23, 2020
Instrument	776777
Transaction Type	Transfer
Record Updated	Jun 25, 2021

Transaction

Amount	Amount on Record
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	21 FRONT ST, BAINBRIDGE, NY 13733-1207

Mortgage

Document Number	001886/276
Date	Jul 17, 2020
Book Page	1886/276
Instrument	776778

Lender

Name	STATE EMPLOYEES FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 195 Roberts Rd was $4,473, up 6.1% from the year before.

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
Unified School District	Cobleskill-Richmondville Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,473.00 (+6.07%)
2025	$4,217.00	$92,800 Land $20,700 Building $72,100	$189,388 Land $42,245 Building $147,143
2023		$92,800 Land $20,700 Building $72,100	$162,807 Land $36,316 Building $126,491
2020	$2,856.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 195 Roberts Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1996.

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	1 in force
Nearby Flood Claims	3 (1996–2011)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Aug 2011 · Hurricane Irene

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

Wildfire risk around 195 Roberts Rd is low, with a 0.01% annual chance of 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	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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
MIDTEL Fiber	500 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

Nearby Properties on Roberts Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures