228 Rhinebeck Rd, Cobleskill, NY 12043 Property Records

Schoharie County and Seward Town property record for 228 Rhinebeck Rd, Cobleskill, NY 12043

Property Summary

Property Type	Mobile Home
Details	1,620 sqft · built 1980
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$184,900 (Jan 2022)
Tax Bill	$4,640 (2026)
Deeds & Mortgages	Jan 2017 Line of Credit Aug 2006 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`434400 42.-3-11`

Property Details

APN / Parcel Number

Primary APN	`434400 42.-3-11`
Alternative APNs	`440004200000030110000000` `525J186003`

Interior

Building Area	1,620 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Mobile Home
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	245 ft deep x 177 ft wide
Porch	Slab
Porch Area	144 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	525J186003
Street Address	228 RHINEBECK RD
City	COBLESKILL
State	NY
Zip	12043-6502
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	OS
Legal Description	DBL WIDE (1991) 27.5 X 60 42-3-12 D&C W/THIS 2/03
Legal Block	3
Legal Lot Number	11.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	SEWARD
Census Block Group	4
Census Block	4020
Census Tract	740400

Owner

228 Rhinebeck Rd, a mobile home, is owned and occupied by two individuals who bought it in January 2022.

Source: Schoharie County and Seward Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	228 RHINEBECK RD, COBLESKILL, NY 12043-6502
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2017	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEE FCU (NY)
Aug 16, 2006	Deed of Trust, Mortgage BANK OF RICHMONDVILLE
Jan 10, 2022	Deed, Transfer · Stand-Alone First Mortgage THE NATIONAL BANK OF COXSACKIE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2022 · Amount on File
Deed Sale	Jan 10, 2022 · Amount on File
Prior Sale	Dec 23, 2002 · Amount on File
Deed Document Number	2022802227
Deed Book / Page	1154 / 252
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	228 RHINEBECK RD, COBLESKILL, NY 12043-6502
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001747/0000000146
Date	Jan 11, 2017
Book Page	0000001747/0000000146
Instrument	000000710636

Lender

Name	STATE EMPLOYEE FCU (NY)

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jan 1, 2042

August 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	228 RHINEBECK RD, COBLESKILL, NY 12043-6502
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001186/0000000040
Date	Aug 16, 2006
Book Page	0000001186/0000000040
Instrument	0000458786

Lender

Name	BANK OF RICHMONDVILLE
Type	Bank

Agreement

Amount	Amount on Record

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Jan 10, 2022
Property Address	228 RHINEBECK RD, COBLESKILL, NY 12043-6502
Document Number	001154/252
Book / Page	1154 / 252
Instrument Date	Dec 20, 2021
Instrument	802227
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
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
Relationship	Joint Tenants with Right of Survivorship
Address	1179 COUNTY ROUTE 45, EARLTON, NY 12058-2003

Mortgage

Document Number	0000802228
Date	Jan 10, 2022
Instrument	802228

Lender

Name	THE NATIONAL BANK OF COXSACKIE
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	349 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 228 Rhinebeck Rd was $4,640, up 9.7% from the year before.

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	$4,640.00 (+9.72%)
2025	$4,229.00	$82,500 Land $10,000 Building $72,500	$201,220 Land $24,390 Building $176,830
2023		$82,500 Land $10,000 Building $72,500	$165,000 Land $20,000 Building $145,000
2020	$3,482.00

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.

Flood

FEMA maps place 228 Rhinebeck Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

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	3 in force
Nearby Flood Claims	1 (2011)
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

Wildfire risk around 228 Rhinebeck 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	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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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