Schoharie County and Cobleskill Town property record for 228 Settles Mountain Rd, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,994 sqft · built 1985 |
| Lot Size | 11 acres (479,160 sqft) |
| Owner | Individual Name on File |
| Last Sale | $135,000 (Sep 1998) |
| Tax Bill | $8,283 (2025) |
| Deeds & Mortgages | Jul 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 432601 55.20-1-1.2 |
| Primary APN | 432601 55.20-1-1.2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,994 sqft Living Area |
| 1st Floor Area | 1,994 sqft |
| Game Room | Game Room |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood |
| Lot Area | 479,160 sqft (11 acres) |
| Lot Width | 572 ft Width |
| Garage Type | Attached |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 482 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 431A191014 |
|---|---|
| Street Address | 228 SETTLES MOUNTAIN RD |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-7408 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | HOUSE 55.16-1-1 & 55.20-1-1.1 D WITH THIS 2/04 |
| Legal Block | 1 |
| Legal Lot Number | 1.002 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 740200 |
Source: Schoharie County and Cobleskill Town assessment roll, as of May 14, 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 File |
|---|---|
| Mailing Address | 228 SETTLES MOUNTAIN RD, COBLESKILL, NY 12043-7408 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 28, 1998 · Amount on Record |
| Deed Sale | Sep 28, 1998 · Amount on Record |
| Deed Book / Page | 640 / 233 |
| Last Transfer Date | Jan 7, 2011 |
| Transfer Doc | 0000000913/000000000 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 228 SETTLES MOUNTAIN RD, COBLESKILL, NY 12043-7408 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001810/0000000138 |
|---|---|
| Date | Jul 30, 2018 |
| Book Page | 0000001810/0000000138 |
| Instrument | 000000745814 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|---|
| Term | 114 Months |
| Due | Jan 1, 2028 |
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 |
|---|---|---|---|
| 2025 | $8,283.00 (+14.93%) | $142,000 (-) Land $20,800 Building $121,200 | $289,796 (+16.33%) Land $42,449 Building $247,347 |
| 2023 | $142,000 Land $20,800 Building $121,200 | $249,123 Land $36,491 Building $212,632 | |
| 2020 | $7,207.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | Direct burnable vegetation at the parcel |
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 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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