317 Evergreen Rd, Cobleskill, NY 12043 Property Records

Schoharie County and Carlisle Town property record for 317 Evergreen Rd, Cobleskill, NY 12043

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,164 sqft · built 1975
Lot Size	2.44 acres (106,286 sqft)
Owner	2 Individual Names on Record
Last Sale	$105,890 (Jan 2006)
Tax Bill	$4,808 (2026)
Deeds & Mortgages	Jul 2022 Line of Credit Jul 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`432400 24.-3-31`

Property Details

APN / Parcel Number

Primary APN	`432400 24.-3-31`
Alternative APNs	`240002400000030310000000` `425J177027`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,164 sqft Living Area
1st Floor Area	1,164 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Raised Ranch
Exterior Material	Wood
Lot Area	106,286 sqft (2.44 acres)
Lot Width	116 ft Width
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	425J177027
Street Address	317 EVERGREEN RD
City	COBLESKILL
State	NY
Zip	12043-4158
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Description	RES LOT
Legal Block	3
Legal Lot Number	31.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	CARLISLE
Census Block Group	2
Census Block	2032
Census Tract	740400

Owner

Source: Schoharie County and Carlisle 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	317 EVERGREEN RD, COBLESKILL, NY 12043-4158
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2022	Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU
Jul 11, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST NEW YORK FCU
Jan 24, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2006 · Amount on Record
Deed Sale	Jan 20, 2006 · Amount on Record
Prior Sale	Jun 22, 1999 · Amount on Record
Deed Book / Page	803 / 328
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	317 EVERGREEN RD, COBLESKILL, NY 12043-4158
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002003/139
Date	Jul 11, 2022
Book Page	2003/139
Instrument	813392

Lender

Name	FIRST NEW YORK FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2037

Interest

Rate Type	Adjustable Rate

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	317 EVERGREEN RD, COBLESKILL, NY 12043-4158
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002003/132
Date	Jul 11, 2022
Book Page	2003/132
Instrument	813390

Lender

Name	FIRST NEW YORK FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	317 EVERGREEN RD, COBLESKILL, NY 12043-4158
Transaction Type	Mortgage
Record Updated	Feb 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000803696
Date	Jan 24, 2022
Instrument	803696

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

Source: Schoharie County and Carlisle Town assessment roll, as of May 14, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,808.00 (+9.7%) Homeowner's exemption
2025	$4,383.00 (+21.18%)	$86,100 (-) Land $14,400 Building $71,700	$210,000 (+21.95%) Land $35,122 Building $174,878
2023		$86,100 Land $14,400 Building $71,700	$172,200 Land $28,800 Building $143,400
2020	$3,617.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective February 16, 2012

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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