334 Lake Rd, Cobleskill, NY 12043 Property Records

Schoharie County and Carlisle Town property record for 334 Lake Rd, Cobleskill, NY 12043

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,000 sqft · built 2016
Lot Size	9.8 acres (426,888 sqft)
Owner	2 Individual Names on Record
Last Sale	$40,000 (Jul 2016)
Tax Bill	$10,615 (2026)
Deeds & Mortgages	May 2021 Refinance Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`432400 34.-1-19.5`

Property Details

APN / Parcel Number

Primary APN	`432400 34.-1-19.5`
Alternative APNs	`240003400000010190050000` `425J210011`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,000 sqft Living Area
1st Floor Area	1,600 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Other
Lot Area	426,888 sqft (9.8 acres)
Lot Width	790 ft Width
Garage Type	Attached
Garage Area	1,200 sqft
Parking Spaces	5 Parking Spaces

Location & Zoning

Account Number	425J210011
Street Address	334 LAKE RD
City	COBLESKILL
State	NY
Zip	12043-4235
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Block	1
Legal Lot Number	19.005
Jurisdiction	SCHOHARIE NY
Township / Civil Division	CARLISLE
Census Block Group	2
Census Block	2045
Census Tract	740400

Owner

Source: Schoharie County and Carlisle 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	2 Individual Names on Record
Mailing Address	334 LAKE RD, COBLESKILL, NY 12043-4235
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance TRUSTCO BANK
Jun 26, 2017	Deed of Trust, Mortgage TRUSTCO BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2016 · Amount on Record
Deed Sale	Jul 15, 2016 · Amount on Record
Prior Sale	Sep 15, 2010 · Amount on Record
Deed Book / Page	1025 / 104
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	334 LAKE RD, COBLESKILL, NY 12043-4235
Transaction Type	Mortgage
Record Updated	Jun 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1936/165
Date	May 27, 2021
Book Page	1936/165
Instrument	789815

Lender

Name	TRUSTCO BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	334 LAKE RD, COBLESKILL, NY 12043-4235
Transaction Type	Mortgage
Record Updated	Apr 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000000722052
Date	Jun 26, 2017
Instrument	000000722052

Lender

Name	TRUSTCO BANK
Type	Bank

Agreement

Amount	Amount Recorded

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	$10,615.00 (+9.73%) Veteran's exemption
2025	$9,674.00 (+6.14%)	$191,500 (-) Land $30,000 Building $161,500	$467,073 (+21.95%) Land $73,171 Building $393,902
2023		$191,500 Land $30,000 Building $161,500	$383,000 Land $60,000 Building $323,000
2020	$9,114.00

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 12 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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