250 Dow St, Cobleskill, NY 12043 Property Records

Schoharie County and Cobleskill Town property record for 250 Dow St, Cobleskill, NY 12043

Property Summary

Property Type	Rural Home
Details	6 bd · 3 ba · 3,015 sqft · built 1870
Lot Size	147 acres (6,403,320 sqft)
Owner	2 Individual Names on File
Last Sale	$215,000 (Oct 2019)
Tax Bill	$7,906 (2026)
Deeds & Mortgages	Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`432689 69.-2-22.1`

Property Details

APN / Parcel Number

Primary APN	`432689 69.-2-22.1`
Alternative APN	`435J100130`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,015 sqft Living Area
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	6,403,320 sqft (147 acres)
Lot Width	3,030 ft Width
Garage Type	Attached
Garage Area	250 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	90 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	435J100130
Street Address	250 DOW ST
City	COBLESKILL
State	NY
Zip	12043-5503
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RR
Legal Block	2
Legal Lot Number	22.001
Jurisdiction	SCHOHARIE NY
Township / Civil Division	COBLESKILL
Census Block Group	1
Census Block	1053
Census Tract	740200

Owner

250 Dow St, a rural home, is owned and occupied by two individuals who bought it in October 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	250 DOW ST, COBLESKILL, NY 12043-5503
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2019 · Amount on File
Deed Sale	Oct 23, 2019 · Amount on File
Deed Document Number	2019768477
Deed Book / Page	1101 / 214
Record Updated	Oct 29, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Oct 23, 2019
Property Address	250 DOW ST, COBLESKILL, NY 12043-5503
Document Number	001101/214
Book / Page	1101 / 214
Instrument Date	Sep 30, 2019
Instrument	768477
Transaction Type	Transfer
Record Updated	May 12, 2022

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
Address	236 RHINEBECK RD, COBLESKILL, NY 12043-6502

Mortgage

Document Number	001855/210
Date	Oct 23, 2019
Book Page	1855/210
Instrument	768478

Lender

Name	BANK OF RICHMONDVILLE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 250 Dow St was $7,906, up 5.7% from the year before.

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	$7,906.00 (+5.72%)
2025	$7,478.00	$175,400 Land $85,500 Building $89,900	$357,959 Land $174,490 Building $183,469
2023		$175,400 Land $85,500 Building $89,900	$307,719 Land $150,000 Building $157,719
2020	$6,785.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 250 Dow St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1996.

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

Wildfire risk around 250 Dow St 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

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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
MIDTEL Fiber	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20