Schoharie County and Cobleskill Town property record for 226 Elm St, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,049 sqft · built 1951 |
| Lot Size | 0.9 acres (39,204 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $144,300 (Mar 2021) |
| Tax Bill | $4,424 (2026) |
| Deeds & Mortgages | Mar 2021 Sale & Mortgage Aug 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 432601 67.8-1-8 |
| Primary APN | 432601 67.8-1-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,049 sqft Living Area |
| 1st Floor Area | 1,049 sqft |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 39,204 sqft (0.9 acres) |
| Lot Dimensions | 230 ft deep x 125 ft wide |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 154 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 431A100678 |
|---|---|
| Street Address | 226 ELM ST |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-7402 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | HOUSE & BLDGS |
| Legal Block | 1 |
| Legal Lot Number | 8.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 740200 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 226 ELM ST, COBLESKILL, NY 12043-7402 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 4, 2021 | Warranty Deed, Transfer · FHA Mortgage PREMIUM MORTGAGE CO |
| Aug 24, 2017 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 4, 2021 · Amount on Record |
| Deed Sale | Mar 4, 2021 · Amount on Record |
| Deed Document Number | 2021785378 |
| Deed Book / Page | 1132 / 221 |
| Prior Transfer Date | Aug 18, 2017 |
| Prior Transfer Doc | 0000001052/000000005 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Mar 4, 2021 |
| Property Address | 226 ELM ST, COBLESKILL, NY 12043-7402 |
| Document Number | 001132/221 |
| Book / Page | 1132 / 221 |
| Instrument Date | Feb 11, 2021 |
| Instrument | 785378 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 23 VAN ALLEN WAY APT 2311, 2311, RENSSELAER, NY 12144-6436 |
| Document Number | 0000785379 |
|---|---|
| Date | Mar 4, 2021 |
| Instrument | 785379 |
| Name | PREMIUM MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Aug 24, 2017 |
| Property Address | 226 ELM ST, COBLESKILL, NY 12043-7402 |
| Document Number | 0000001052/0000000050 |
| Book / Page | 0000001052 / 0000000050 |
| Instrument Date | Aug 18, 2017 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 226 ELM ST, COBLESKILL, NY 12043-7402 |
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 |
| Municipality | Cobleskill Village |
| Unified School District | Cobleskill-Richmondville Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,424.00 (+5.18%) | ||
| 2025 | $4,206.00 (+6.62%) | $72,100 (-) Land $9,600 Building $62,500 | $147,143 (+16.33%) Land $19,592 Building $127,551 |
| 2023 | $72,100 Land $9,600 Building $62,500 | $126,491 Land $16,842 Building $109,649 | |
| 2020 | $3,945.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 | 5 (1996–2011) |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| Claims by Event |
|
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.
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 | 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | COBLESKILL VILLAGE serves 4,678 people · EPA ID NY4700094 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2023 |
| Lead | 3 ppb (2021–2023) action level 15 ppb |
| Water Quality | Turbidity resolved · Aug 2024 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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