282 Hill Rd, Cobleskill, NY 12043 Property Records

Schoharie County and Seward Town property record for 282 Hill Rd, Cobleskill, NY 12043

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,890 sqft · built 1820
Lot Size	2.2 acres (95,832 sqft)
Owner	2 Individual Names on File
Last Sale	$184,000 (Apr 2018)
Tax Bill	$4,613 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Jul 2020 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`434400 54.-2-6`

Property Details

APN / Parcel Number

Primary APN	`434400 54.-2-6`
Alternative APNs	`440005400000020060000000` `525J101536`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,890 sqft Living Area
1st Floor Area	1,220 sqft
2nd Floor Area	320 sqft
Upper Floors Area	350 sqft

Exterior

Year Built	Built 1820
Effective Year Built	Effective 1820
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	95,832 sqft (2.2 acres)
Lot Width	520 ft Width
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	231 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	525J101536
Street Address	282 HILL RD
City	COBLESKILL
State	NY
Zip	12043-6223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	R1
Legal Block	2
Legal Lot Number	6.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	SEWARD
Census Block Group	4
Census Block	4013
Census Tract	740400

Owner

Source: Schoharie County and Seward Town records · APN 434400 54.-2-6

Assessment roll updated May 14, 2026 · Last verified May 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 File
Mailing Address	282 HILL RD, COBLESKILL, NY 12043-6223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 03, 2022	Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU
Jul 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST NEW YORK FCU
Apr 06, 2018	Deed of Trust, Mortgage SANTANDER BANK NA
Apr 06, 2018	Warranty Deed, Transfer
Jul 13, 2017	Deed of Trust, Mortgage BANK OF RICHMONDVILLE
Jul 13, 2017	Deed, Transfer NOT AVAILABLE, MICHAEL BREEN

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 06, 2018 · Amount on Record
Deed Sale	Apr 06, 2018 · Amount on Record
Prior Sale	Jul 13, 2017 · Amount on Record
Deed Document Number	2018739075
Deed Book / Page	1067 / 121
Record Updated	Jun 08, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	282 HILL RD, COBLESKILL, NY 12043-6223
Transaction Type	Mortgage
Record Updated	Nov 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002019/198
Date	Nov 03, 2022
Book Page	2019/198
Instrument	819258

Lender

Name	FIRST NEW YORK FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Dec 01, 2042

Interest

Rate Type	Adjustable Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	282 HILL RD, COBLESKILL, NY 12043-6223
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1886/242
Date	Jul 17, 2020
Book Page	1886/242
Instrument	776747

Lender

Name	FIRST NEW YORK FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Aug 01, 2040

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	282 HILL RD, COBLESKILL, NY 12043-6223
Transaction Type	Mortgage
Record Updated	May 03, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001799/0000000066
Date	Apr 06, 2018
Book Page	0000001799/0000000066
Instrument	000000739077

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Amount	Amount Recorded

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Apr 06, 2018
Property Address	282 HILL RD, COBLESKILL, NY 12043-6223
Document Number	001067/121
Book / Page	1067 / 121
Instrument Date	Mar 20, 2018
Instrument	000000739075
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Amount	Amount Recorded
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	530 ENDERS AVE, HOWES CAVE, NY 12092-2914

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	282 HILL RD, COBLESKILL, NY 12043-6223
Transaction Type	Mortgage
Record Updated	Aug 03, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 000000722707
Date	Jul 13, 2017
Book Page	0000001765/0000000184
Instrument	000000722707

Lender

Name	BANK OF RICHMONDVILLE
Type	Bank

Agreement

Amount	Amount Recorded
Term	234 Months
Due	Jan 01, 2037

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Jul 13, 2017
Property Address	282 HILL RD, COBLESKILL, NY 12043-6223
Document Number	0000001048/0000000217
Book / Page	0000001048 / 0000000217
Instrument Date	Jul 11, 2017
Transaction Type	Transfer
Record Updated	May 12, 2022
Title Company	NOT AVAILABLE, MICHAEL BREEN

Transaction

Amount	Amount Recorded
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	P, P, COBLESKILL, NY 12043
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Schoharie County and Seward Town records · Assessment roll updated May 14, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	New York
County	Schoharie County
County Subdivision	Seward Town
Unified School District	Cobleskill-Richmondville Central School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,613.00 (+3.83%)	$90,000 (-) Land $11,300 Building $78,700	$219,512 (+21.95%) Land $27,561 Building $191,951
2023		$90,000 Land $11,300 Building $78,700	$180,000 Land $22,600 Building $157,400
2020	$4,443.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 16, 2012 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2011)
Most Recent Claim	Aug 2011 · Hurricane Irene

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

Based on FCC filings for 3 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

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