218 Dow St, Cobleskill, NY 12043 Property Records

Schoharie County and Cobleskill Town property record for 218 Dow St, Cobleskill, NY 12043

Property Summary

Property Type	Single Family Home
Details	6 bd · 3 ba · 3,015 sqft · built 1870
Lot Size	3.04 acres (132,422 sqft)
Owner	Individual Name on Record
Last Sale	$62,700 (Feb 2019)
Tax Bill	$2,410 (2026)
Deeds & Mortgages	Jan 2022 Refinance Dec 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`432689 69.-2-22.2`

Property Details

APN / Parcel Number

Primary APN	`432689 69.-2-22.2`
Alternative APN	`435J219005`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,015 sqft Living Area
Gross Area	2,839 sqft
1st Floor Area	1,648 sqft
2nd Floor Area	576 sqft
Upper Floors Area	791 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	132,422 sqft (3.04 acres)
Lot Width	554 ft Width
Garage Type	Attached
Garage Area	250 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	70 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	435J219005
Street Address	218 DOW ST
City	COBLESKILL
State	NY
Zip	12043-5503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	FARMLAND ASSESSOR HAS WILL PROVI- DING LIFE EST FOR EVELYN
Legal Block	2
Legal Lot Number	22.002
Jurisdiction	SCHOHARIE NY
Township / Civil Division	COBLESKILL
Census Block Group	1
Census Block	1053
Census Tract	740200

Owner

Source: Schoharie County and Cobleskill 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	Individual Name on Record
Mailing Address	218 DOW ST, COBLESKILL, NY 12043-5503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF RICHMONDVILLE
Dec 26, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE
Feb 11, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 11, 2019 · Amount on Record
Deed Sale	Feb 11, 2019 · Amount on Record
Deed Document Number	2019756818
Deed Book / Page	1085 / 295
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	218 DOW ST, COBLESKILL, NY 12043-5503
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001976/115
Date	Jan 19, 2022
Book Page	1976/115
Instrument	803573

Lender

Name	BANK OF RICHMONDVILLE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Dec 26, 2023
Property Address	218 DOW ST, COBLESKILL, NY 12043-5503
Document Number	0001204/16
Book / Page	1204 / 16
Instrument Date	Dec 22, 2023
Instrument	823766
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
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	611 STATE ST, HUDSON, NY 12534-2513

Mortgage

Document Number	0000823767
Date	Dec 26, 2023
Instrument	823767

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Feb 11, 2019
Property Address	218 DOW ST, COBLESKILL, NY 12043-5503
Document Number	001085/295
Book / Page	1085 / 295
Instrument Date	Jan 25, 2019
Instrument	756818
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Amount	Amount Recorded
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	354 W 48TH ST APT 3FW, 3FW, NEW YORK, NY 10036-1487

Mortgage

Document Number	001829/269
Date	Feb 11, 2019
Book Page	1829/269
Instrument	756819

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

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	$2,410.00 (+6.07%)
2025	$2,272.00	$50,000 (-) Land $3,000 Building $47,000	$102,041 (+16.33%) Land $6,122 Building $95,919
2023		$50,000 Land $3,000 Building $47,000	$87,719 Land $5,263 Building $82,456

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	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

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.

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.

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