Schoharie County and Cobleskill Town property record for 306 Settles Mountain Rd, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,290 sqft · built 1995 |
| Lot Size | 1.1 acres (47,916 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $179,000 (Jul 2004) |
| Tax Bill | $6,098 (2026) |
| Deeds & Mortgages | May 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 432689 55.-1-3 |
| Primary APN | 432689 55.-1-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,290 sqft Living Area |
| 1st Floor Area | 1,032 sqft |
| Upper Floors Area | 258 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood |
| Foundation Type | Raised |
| Lot Area | 47,916 sqft (1.1 acres) |
| Lot Width | 365 ft Width |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 192 sqft |
| Patio Area | 100 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 435J174005 |
|---|---|
| Street Address | 306 SETTLES MOUNTAIN RD |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-7410 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | HOUSE |
| Legal Block | 1 |
| Legal Lot Number | 3.000 |
| 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 | 306 SETTLES MOUNTAIN RD, COBLESKILL, NY 12043-7410 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 21, 2004 · Amount on Record |
| Deed Sale | Jul 21, 2004 · Amount on Record |
| Prior Sale | Aug 14, 1995 · Amount on Record |
| Deed Book / Page | 766 / 53 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | May 4, 2026 |
| Property Address | 306 SETTLES MOUNTAIN RD, COBLESKILL, NY 12043-7410 |
| Document Number | 0000832064 |
| Book / Page | 2150 / 243 |
| Instrument Date | May 4, 2026 |
| Instrument | 2026832064 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 306 SETTLES MOUNTAIN RD, COBLESKILL, NY 12043-7410 |
| Document Number | 0000832064, |
|---|---|
| Date | May 4, 2026 |
| Book Page | 2150/243 |
| Instrument | 2026832064 |
| Name | FIRST NY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 4, 2041 |
| Rate | 5.77% |
|---|---|
| Max Rate | -1% |
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 | $6,098.00 (+6.09%) Homeowner's exemption | ||
| 2025 | $5,748.00 (-27.62%) | $126,500 (-) Land $15,000 Building $111,500 | $258,163 (+16.33%) Land $30,612 Building $227,551 |
| 2023 | $126,500 Land $15,000 Building $111,500 | $221,930 Land $26,316 Building $195,614 | |
| 2020 | $7,941.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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