Schoharie County and Cobleskill Town property record for 210 Shad Point Rd, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,508 sqft · built 1995 |
| Lot Size | 1.2 acres (52,272 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,808 (2026) |
| Deeds & Mortgages | Jan 2024 Mortgage Apr 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 432689 57.-4-24 |
| Primary APN | 432689 57.-4-24 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,508 sqft Living Area |
| 1st Floor Area | 1,508 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 52,272 sqft (1.2 acres) |
| Lot Width | 115 ft Width |
| Garage Type | Detached |
| Garage Area | 2,080 sqft |
| Parking Spaces | 7 Parking Spaces |
| Porch | Slab |
| Porch Area | 80 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 435J100043 |
|---|---|
| Street Address | 210 SHAD POINT RD |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-5434 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | RES TRLR |
| Legal Block | 4 |
| Legal Lot Number | 24.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 740200 |
210 Shad Point Rd is owned and occupied by two individuals.
Source: Schoharie County and Cobleskill Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 210 SHAD POINT RD, COBLESKILL, NY 12043-5434 |
| 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 |
|---|---|
| Jan 11, 2024 | Deed of Trust, Mortgage · ARM SIDNEY FEDERAL CREDIT UNION |
| Apr 29, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance M & T BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 210 SHAD POINT RD, COBLESKILL, NY 12043-5434 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0002065/64 |
|---|---|
| Date | Jan 11, 2024 |
| Book Page | 2065/64 |
| Instrument | 823945 |
| Name | SIDNEY FEDERAL CREDIT UNION |
|---|
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Type Change Date | Feb 1, 2029 |
| Index | 1-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 210 SHAD POINT RD, COBLESKILL, NY 12043-5434 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1931/82 |
|---|---|
| Date | Apr 29, 2021 |
| Book Page | 1931/82 |
| Instrument | 787227 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 97 Months |
| Due | May 1, 2029 |
The 2026 property tax bill for 210 Shad Point Rd was $3,808, 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 | $3,808.00 (+6.07%) | ||
| 2025 | $3,590.00 | $79,000 Land $8,600 Building $70,400 | $161,224 Land $17,551 Building $143,673 |
| 2023 | $79,000 Land $8,600 Building $70,400 | $138,596 Land $15,088 Building $123,508 | |
| 2020 | $2,931.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 210 Shad Point 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 risk around 210 Shad Point 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.
Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: MIDTEL, Verizon.
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