Schoharie County and Cobleskill Town property record for 276 Settles Mountain Rd, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,700 sqft · built 1995 |
| Lot Size | 5.01 acres (218,236 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $399,900 (May 2023) |
| Tax Bill | $8,918 (2026) |
| Deeds & Mortgages | May 2023 Sale Jan 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 432689 55.-1-4.2 |
| Primary APN | 432689 55.-1-4.2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,700 sqft Living Area |
| 1st Floor Area | 1,700 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood |
| Lot Area | 218,236 sqft (5.01 acres) |
| Lot Width | 200 ft Width |
| Garage Type | Attached |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Above-Ground Pool |
| Porch | Slab |
| Porch Area | 600 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 435J197006 |
|---|---|
| Street Address | 276 SETTLES MOUNTAIN RD |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-7408 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Block | 1 |
| Legal Lot Number | 4.002 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 740200 |
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 | 276 SETTLES MOUNTAIN RD, COBLESKILL, NY 12043-7408 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 16, 2023 | Warranty Deed, Transfer |
| Jan 12, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance KEY BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 16, 2023 · Amount on Record |
| Deed Sale | May 16, 2023 · Amount on Record |
| Deed Document Number | 2023821356 |
| Deed Book / Page | 1189 / 249 |
| Prior Transfer Date | May 15, 2015 |
| Prior Transfer Doc | 0000000998/000000014 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | May 16, 2023 |
| Property Address | 276 SETTLES MOUNTAIN RD, COBLESKILL, NY 12043-7408 |
| Document Number | 001189/249 |
| Book / Page | 1189 / 249 |
| Instrument Date | May 9, 2023 |
| Instrument | 821356 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 327 ENDERS AVE, HOWES CAVE, NY 12092-2911 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 276 SETTLES MOUNTAIN RD, COBLESKILL, NY 12043-7408 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | 783594 |
|---|---|
| Date | Jan 12, 2021 |
| Instrument | 783594 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Feb 1, 2031 |
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 |
| Unified School District | Cobleskill-Richmondville Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,918.00 (-1.86%) | ||
| 2025 | $9,087.00 (+33.01%) | $185,000 (-7.5%) Land $15,000 Building $170,000 | $377,551 (+7.6%) Land $30,612 Building $346,939 |
| 2023 | $200,000 Land $15,000 Building $185,000 | $350,877 Land $26,316 Building $324,561 | |
| 2020 | $6,832.00 |
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.
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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 25 / 3 |
May also be available: Spectrum, Verizon.
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