Schoharie County and Cobleskill Town property record for 281 Dow St, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,250 sqft · built 1880 |
| Lot Size | 7.14 acres (311,018 sqft) |
| Owner | Individual Name on File |
| Last Sale | $171,000 (Mar 2021) |
| Tax Bill | $3,046 (2026) |
| Deeds & Mortgages | Mar 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 432689 69.-2-21.2 |
| Primary APN | 432689 69.-2-21.2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,250 sqft Living Area |
| 1st Floor Area | 625 sqft |
| 2nd Floor Area | 625 sqft |
| Upper Floors Area | 456 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 311,018 sqft (7.14 acres) |
| Lot Width | 233 ft Width |
| Garage Type | Detached |
| Garage Area | 432 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 50 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 435J210003 |
|---|---|
| Street Address | 281 DOW ST |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-5504 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Block | 2 |
| Legal Lot Number | 21.002 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 740200 |
Source: Schoharie County and Cobleskill Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 281 DOW ST, COBLESKILL, NY 12043-5504 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 22, 2021 · Amount on File |
| Deed Sale | Mar 22, 2021 · Amount on File |
| Prior Sale | Jun 24, 2009 · Amount on File |
| Deed Document Number | 2021785602 |
| Deed Book / Page | 1133 / 122 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Mar 22, 2021 |
| Property Address | 281 DOW ST, COBLESKILL, NY 12043-5504 |
| Document Number | 1133/122 |
| Book / Page | 1133 / 122 |
| Instrument Date | Mar 1, 2021 |
| Instrument | 785602 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2021 |
| Title Company | WESTCORE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 90 LOCUST LN, EAST BERNE, NY 12059-2524 |
| Document Number | 001923/189 |
|---|---|
| Date | Mar 22, 2021 |
| Book Page | 1923/189 |
| Instrument | 785603 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
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 | $3,046.00 (+6.06%) | ||
| 2025 | $2,872.00 (+2.75%) | $63,200 (-) Land $8,000 Building $55,200 | $128,980 (+16.33%) Land $16,327 Building $112,653 |
| 2023 | $63,200 Land $8,000 Building $55,200 | $110,877 Land $14,035 Building $96,842 | |
| 2020 | $2,795.00 |
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 | 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.
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.
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 |
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