265 Settles Mountain Rd, Cobleskill, NY 12043 Property Records

Schoharie County and Cobleskill Town property record for 265 Settles Mountain Rd, Cobleskill, NY 12043

Property Summary

Property Type	Single Family Home
Details	6 bd · 3.5 ba · 2,341 sqft · built 1988
Lot Size	3.52 acres (153,331 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,915 (2026)
Flood Zone	Zone X (minimal risk)
APN	`432689 55.-1-7`

Property Details

APN / Parcel Number

Primary APN	`432689 55.-1-7`
Alternative APNs	`268905500000010070000000` `435J186023`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,341 sqft Living Area
1st Floor Area	1,304 sqft
2nd Floor Area	1,037 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Contemporary
Exterior Material	Wood
Lot Area	153,331 sqft (3.52 acres)
Lot Width	709 ft Width
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	362 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	435J186023
Street Address	265 SETTLES MOUNTAIN RD
City	COBLESKILL
State	NY
Zip	12043-7409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	HOUSE
Legal Block	1
Legal Lot Number	7.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	COBLESKILL
Census Block Group	3
Census Block	3002
Census Tract	740200

Owner

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	265 SETTLES MOUNTAIN RD, COBLESKILL, NY 12043-7409
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

Tax Assessment & Valuation

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	$7,915.00 (+6.08%) Homeowner's exemption Senior Citizen's exemption
2025	$7,461.00 (+21.61%)	$164,200 (-) Land $17,300 Building $146,900	$335,102 (+16.33%) Land $35,306 Building $299,796
2023		$164,200 Land $17,300 Building $146,900	$288,070 Land $30,351 Building $257,719
2020	$6,135.00

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

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