Schoharie County and Wright Town property record for 312 Cook Rd, Schoharie, NY 12157
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 2 ba · 1,752 sqft · built 1985 |
| Lot Size | 14 acres (609,840 sqft) |
| Owner | Individual Name on File |
| Last Sale | $159,900 (Aug 1998) |
| Tax Bill | $8,043 (2026) |
| Deeds & Mortgages | Aug 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 435000 61.-4-11.1 |
| Primary APN | 435000 61.-4-11.1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,752 sqft Living Area |
| 1st Floor Area | 1,208 sqft |
| 2nd Floor Area | 256 sqft |
| Upper Floors Area | 288 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Contemporary |
| Exterior Material | Wood |
| Lot Area | 609,840 sqft (14 acres) |
| Lot Width | 525 ft Width |
| Garage Type | Attached |
| Porch | Slab |
| Porch Area | 440 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 555J100124 |
|---|---|
| Street Address | 312 COOK RD |
| City | SCHOHARIE |
| State | NY |
| Zip | 12157-4502 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | 01 - NOT Z |
| Legal Block | 4 |
| Legal Lot Number | 11.001 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | WRIGHT |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 740700 |
312 Cook Rd, a rural home, is owned and occupied by an individual who bought it in August 1998.
Source: Schoharie County and Wright Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 312 COOK RD, SCHOHARIE, NY 12157-4502 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 13, 1998 · Amount on File |
| Deed Sale | Aug 13, 1998 · Amount on File |
| Deed Book / Page | 638 / 132 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 312 COOK RD, SCHOHARIE, NY 12157-4502 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0002007/83 |
|---|---|
| Date | Aug 1, 2022 |
| Book Page | 2007/83 |
| Instrument | 814305 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2037 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 312 Cook Rd was $8,043 with a homeowner's exemption, down 0.2% from the year before.
Source: Schoharie County and Wright Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Wright Town |
| Unified School District | Schoharie Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,043.00 (-0.17%) Homeowner's exemption | ||
| 2025 | $8,057.00 | $165,900 Land $27,000 Building $138,900 | $331,800 Land $54,000 Building $277,800 |
| 2023 | $165,900 (-) Land $27,000 Building $138,900 | $325,294 (+17.65%) Land $52,941 Building $272,353 | |
| 2022 | $165,900 Land $27,000 Building $138,900 | $276,500 Land $45,000 Building $231,500 | |
| 2021 | $3,225.00 (-56.21%) | ||
| 2020 | $7,365.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 312 Cook Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2011.
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 (2011) |
| Claims Outside the SFHA | 2 of 5 |
| 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.
Wildfire risk around 312 Cook Rd is low, with a 0.01% annual chance of 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 | 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) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| MIDTEL Fiber | 500 / 100 |
| Hudson Valley Wireless Fixed Wireless | 200 / 20 |
5G (outdoors only) and 4G LTE
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