196 Jersey Ln, Cobleskill, NY 12043 Property Records

Schoharie County and Seward Town property record for 196 Jersey Ln, Cobleskill, NY 12043

Property Summary

Property Type	Rural Home
Details	4 bd · 2.5 ba · 2,700 sqft · built 2006
Lot Size	12.7 acres (553,648 sqft)
Owner	2 Individual Names on Record
Last Sale	$20,000 (May 1999)
Tax Bill	$9,527 (2026)
Flood Zone	Zone X (minimal risk)
APN	`434400 33.-5-32`

Property Details

APN / Parcel Number

Primary APN	`434400 33.-5-32`
Alternative APNs	`440003300000050320000000` `525J188031`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,700 sqft Living Area
1st Floor Area	1,350 sqft
2nd Floor Area	1,350 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	553,648 sqft (12.7 acres)
Lot Width	376 ft Width
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	525J188031
Street Address	196 JERSEY LN
City	COBLESKILL
State	NY
Zip	12043-7614
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	OS
Legal Block	5
Legal Lot Number	32.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	SEWARD
Census Block Group	3
Census Block	3065
Census Tract	740400

Owner

Source: Schoharie County and Seward 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	196 JERSEY LN, COBLESKILL, NY 12043-7614
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 1999 · Amount on Record
Deed Sale	May 3, 1999 · Amount on Record
Prior Sale	May 3, 1999
Deed Book / Page	652 / 55
Prior Transfer Date	Oct 22, 1996
Prior Transfer Doc	0604000296
Record Updated	Oct 29, 2026

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,527.00 (+9.72%) Homeowner's exemption
2025	$8,683.00 (+11.71%)	$169,400 (-) Land $30,400 Building $139,000	$413,171 (+21.95%) Land $74,146 Building $339,025
2023		$169,400 Land $30,400 Building $139,000	$338,800 Land $60,800 Building $278,000
2020	$7,773.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (2011–2015)
Most Recent Claim	Feb 2015 · other causes
Claims by Event	Hurricane Irene, Aug 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 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20