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196 Settles Mountain Rd, Cobleskill, NY 12043 Property Records

Schoharie County and Cobleskill Town property record for 196 Settles Mountain Rd, Cobleskill, NY 12043 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,410 sqft · built 1990
Lot Size5.01 acres (218,236 sqft)
Owner2 Individual Names on File
Last Sale$235,000 (Oct 2018)
Tax Bill$10,938 (2025)
Deeds & MortgagesOct 2021 Refinance
Oct 2018 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN432601 55.20-1-4

Property Details

APN / Parcel Number

Primary APN432601 55.20-1-4
Alternative APNs
  • 260105502000010040000000
  • 431A189017

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,410 sqft Living Area
1st Floor Area1,598 sqft
2nd Floor Area812 sqft
Game RoomGame Room

Exterior

Year BuiltBuilt 1990
Effective Year BuiltEffective 1990
Architectural StyleContemporary
Exterior MaterialWood
Lot Area218,236 sqft (5.01 acres)
Lot Width200 ft Width
Garage TypeAttached
Garage Area500 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area576 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelOil
SewerSeptic
Water SourceWell

Location & Zoning

Account Number431A189017
Street Address196 SETTLES MOUNTAIN RD
CityCOBLESKILL
StateNY
Zip12043-7406
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHOUSE
Legal Block1
Legal Lot Number4.000
JurisdictionSCHOHARIE NY
Township / Civil DivisionCOBLESKILL
Census Block Group3
Census Block3004
Census Tract740200

Owner

Source: Schoharie County and Cobleskill Town records · APN 432601 55.20-1-4

Assessment roll updated May 14, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address196 SETTLES MOUNTAIN RD, COBLESKILL, NY 12043-7406
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 06, 2021Deed of Trust, Mortgage · Stand-Alone Refinance
JPMORGAN CHASE BANK NA
Oct 11, 2018Deed of Trust, Mortgage
SANTANDER BANK NA
Oct 11, 2018Warranty Deed, Transfer

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 11, 2018 · Amount on Record
Deed SaleOct 11, 2018 · Amount on Record
Deed Document Number2018751586
Record UpdatedJun 08, 2026

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHOHARIE NY
Property Address196 SETTLES MOUNTAIN RD, COBLESKILL, NY 12043-7406
Transaction TypeMortgage
Record UpdatedOct 26, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number1957/50
DateOct 06, 2021
Book Page1957/50
Instrument796819
Lender
NameJPMORGAN CHASE BANK NA
TypeBank
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term181 Months
DueNov 01, 2036

October 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHOHARIE NY
Property Address196 SETTLES MOUNTAIN RD, COBLESKILL, NY 12043-7406
Transaction TypeMortgage
Record UpdatedFeb 07, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000001817/0000000210
DateOct 11, 2018
Book Page0000001817/0000000210
Instrument000000751587
Lender
NameSANTANDER BANK NA
TypeBank
Agreement
AmountAmount Recorded
Term351 Months
DueJan 01, 2048

October 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHOHARIE NY
Recording DateOct 11, 2018
Property Address196 SETTLES MOUNTAIN RD, COBLESKILL, NY 12043-7406
Document Number000000751586
Instrument DateSep 28, 2018
Instrument000000751586
Transaction TypeTransfer
Record UpdatedMay 12, 2022

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address8374 CEDAR RD, CHESTERLAND, OH 44026-3512

Tax Assessment & Valuation

Source: Schoharie County and Cobleskill Town records · Assessment roll updated May 14, 2026 · Last verified May 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$10,938.00 (+7.01%)$186,800 (-) Land $54,900 Building $131,900$381,224 (+16.33%) Land $112,041 Building $269,183
2023$186,800 Land $54,900 Building $131,900$327,719 Land $96,316 Building $231,403
2020$10,221.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schoharie County (36095C), updated February 16, 2012 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360957402003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies4 in force
Nearby Flood Claims5 (1996–2011)
Most Recent ClaimAug 2011, rainfall accumulation, Hurricane Irene
Claims By Storm
  • Hurricane Irene, Aug 2011 · 2 claims

Wildfire

Wildfire RiskLow
above 20% of the US · above 55% of New York
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 20 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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