Schoharie County and Cobleskill Town property record for 196 Dow St, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,568 sqft · built 1875 |
| Lot Size | 1.1 acres (47,916 sqft) |
| Owner | Individual Name on File |
| Last Sale | $89,500 (Jun 2002) |
| Tax Bill | $3,803 (2026) |
| Deeds & Mortgages | Jul 2022 Line of Credit Oct 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 432689 69.-1-14 |
| Primary APN | 432689 69.-1-14 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,568 sqft Living Area |
| 1st Floor Area | 784 sqft |
| 2nd Floor Area | 784 sqft |
| Year Built | Built 1875 |
|---|---|
| Effective Year Built | Effective 1875 |
| Architectural Style | Traditional |
| Exterior Material | Composition/Composite |
| Lot Area | 47,916 sqft (1.1 acres) |
| Lot Width | 180 ft Width |
| Porch | Slab |
| Porch Area | 56 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 435J180503 |
|---|---|
| Street Address | 196 DOW ST |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-5500 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Block | 1 |
| Legal Lot Number | 14.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 740200 |
196 Dow St is owned and occupied by an individual who bought it in June 2002.
Source: Schoharie County and Cobleskill Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 696, SCHOHARIE, NY 12157-0696 |
| 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.
| Date | Document |
|---|---|
| Jul 11, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU |
| Oct 12, 2018 | Deed of Trust, Mortgage QUICKEN LOAN INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 26, 2002 · Amount on File |
| Deed Sale | Jun 26, 2002 · Amount on File |
| Prior Sale | Sep 17, 2001 · Amount on File |
| Deed Book / Page | 719 / 1 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 196 DOW ST, COBLESKILL, NY 12043-5500 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 002003/125 |
|---|---|
| Date | Jul 11, 2022 |
| Book Page | 2003/125 |
| Instrument | 813389 |
| Name | FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Aug 1, 2042 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 196 DOW ST, COBLESKILL, NY 12043-5500 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2018 |
| Name | Verified Name |
|---|
| Document Number | 0000001818/0000000031 |
|---|---|
| Date | Oct 12, 2018 |
| Book Page | 0000001818/0000000031 |
| Instrument | 000000751673 |
| Name | QUICKEN LOAN INC |
|---|---|
| Type | Lending Institution |
| Amount | Amount on Record |
|---|---|
| Term | 351 Months |
| Due | Jan 1, 2048 |
The 2026 property tax bill for 196 Dow St was $3,803 with a homeowner's exemption, up 6.1% from the year before.
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 |
| Unified School District | Cobleskill-Richmondville Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,803.00 (+6.08%) Homeowner's exemption | ||
| 2025 | $3,585.00 | $78,900 Land $11,300 Building $67,600 | $161,020 Land $23,061 Building $137,959 |
| 2023 | $78,900 Land $11,300 Building $67,600 | $138,421 Land $19,825 Building $118,596 | |
| 2020 | $2,927.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 196 Dow St 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 risk around 196 Dow St is low, with less than 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 93% of the US · lower than 89% of New York |
|---|---|
| Wildfire Likelihood | Under 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: 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.
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