2275 State Rte 165, Cobleskill, NY 12043 Property Records

Schoharie County and Seward Town property record for 2275 State Rte 165, Cobleskill, NY 12043

Property Summary

Property Type	Rural Home
Details	6 bd · 2 ba · 2,582 sqft · built 1787
Lot Size	10.2 acres (446,926 sqft)
Owner	2 Individual Names on Record
Last Sale	$187,150 (Oct 2017)
Tax Bill	$7,513 (2026)
Deeds & Mortgages	Jun 2023 Line of Credit Sep 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`434400 41.-2-3.1`

Property Details

APN / Parcel Number

Primary APN	`434400 41.-2-3.1`
Alternative APNs	`440004100000020030010000` `525J187027`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,582 sqft Living Area
1st Floor Area	1,452 sqft
2nd Floor Area	1,130 sqft

Exterior

Year Built	Built 1787
Effective Year Built	Effective 1787
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	446,926 sqft (10.2 acres)
Lot Width	788 ft Width
Garage Type	Detached
Garage Area	940 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	325 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	525J187027
Street Address	2275 STATE ROUTE 165
City	COBLESKILL
State	NY
Zip	12043-7011
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R
Legal Block	2
Legal Lot Number	3.001
Jurisdiction	SCHOHARIE NY
Township / Civil Division	SEWARD
Census Block Group	3
Census Block	3091
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	2275 STATE ROUTE 165, COBLESKILL, NY 12043-7011
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2023	Deed of Trust, Mortgage · Line of Credit BROADVIEW FEDERAL CREDIT UNION
Sep 8, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FARMERS BANK & TRUST
Oct 10, 2017	Deed of Trust, Mortgage HOMESTEAD FUNDING CORP
Oct 10, 2017	Deed, Transfer NOT AVAILABLE, MEGAN BOGGS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2017 · Amount on Record
Deed Sale	Oct 10, 2017 · Amount on Record
Deed Book / Page	1055 / 204
Last Transfer Date	Aug 19, 2021
Transfer Doc	1146/160
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	2275 STATE ROUTE 165, COBLESKILL, NY 12043-7011
Transaction Type	Mortgage
Record Updated	Jul 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002042/226
Date	Jun 16, 2023
Book Page	2042/226
Instrument	821687

Lender

Name	BROADVIEW FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2038

Interest

Rate Type	Adjustable Rate

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Sep 8, 2021
Property Address	2275 STATE ROUTE 165, COBLESKILL, NY 12043-7011
Document Number	1146/160
Book / Page	1146 / 160
Instrument Date	Aug 19, 2021
Instrument	795572
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	MISC COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2275 STATE ROUTE 165, COBLESKILL, NY 12043-7011

Mortgage

Document Number	795573
Date	Sep 8, 2021
Instrument	795573

Lender

Name	FARMERS BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	2275 STATE ROUTE 165, COBLESKILL, NY 12043-7011
Transaction Type	Mortgage
Record Updated	Nov 1, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 000000726482
Date	Oct 10, 2017
Book Page	0000001776/0000000191
Instrument	000000726482

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2047

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Oct 10, 2017
Property Address	2275 STATE ROUTE 165, COBLESKILL, NY 12043-7011
Document Number	0000001055/0000000204
Book / Page	0000001055 / 0000000204
Instrument Date	Sep 25, 2017
Transaction Type	Transfer
Record Updated	May 12, 2022
Title Company	NOT AVAILABLE, MEGAN BOGGS

Transaction

Amount	Amount Recorded
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	2275 STATE ROUTE 165, COBLESKILL, NY 12043-7011

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	$7,513.00 (+14.41%)
2025	$6,567.00 (+10.26%)	$132,600 (-) Land $27,800 Building $104,800	$323,415 (+21.95%) Land $67,805 Building $255,610
2023		$132,600 Land $27,800 Building $104,800	$265,200 Land $55,600 Building $209,600
2020	$5,956.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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