342 Dow St, Cobleskill, NY 12043 Property Records

Schoharie County and Cobleskill Town property record for 342 Dow St, Cobleskill, NY 12043 · Last verified May 2026

Property Highlights

Property Type	Residential > Single Family > Rural Home
Bedrooms	4 Beds
Bathrooms	1 Baths
Year Built	Built 2018
Square Footage	1,462 sqft Living Area
Lot Size	808,474 sqft (18.5 acres)
Occupancy	Owner Occupied
Last Sale	$260,000 (2019)
Tax Bill	$4,884.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`432689 81.-2-17.2`
Alternative APNs	`268906900000020200000000` `435J211001`

Interior

Bedrooms	4 Beds
Full Baths	1 Baths
Building Area	1,462 sqft Living Area
1st Floor	886 sqft 1st Floor
2nd Floor	414 sqft 2nd Floor
Upper Floors	162 sqft Upper Floors
Stories	2 Stories

Exterior

Year Built	Built 1840
Effective Year Built	Effective 2018
Architectural Style	Traditional Style
Exterior Material	Wood Exterior
Lot Area	808,474 sqft (18.5 acres)
Lot Width	140 ft Width
Shed	1 Shed
Porch Area	152 sqft Porch
Canopy Area	100 sqft Canopy

Utilities and HVAC

Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Oil Heating Fuel
Sewage	Septic Sewage
Water Source	Well Water Source

Location & Zoning

Account Number	435J211001
Street Address	342 DOW ST
City	COBLESKILL
State	NY
Zip	12043-5505
Property Usage	Residential Property Usage
Type	Residential > Single Family > Rural Home
Legal Block	2
Legal Lot Number	17.002
Jurisdiction	SCHOHARIE NY
Minor Civil Division	COBLESKILL
Census Blockgroup	1
Census Block	1053
Census Tract	740200

Owner

Source: Schoharie County and Cobleskill Town records · APN 432689 81.-2-17.2

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	342 DOW ST, COBLESKILL, NY 12043-5505
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 08, 2019 · Amount on Record
Deed Sale	Jul 08, 2019 · Amount on Record
Prior Sale	Jul 02, 2012 · Amount on Record
Deed Doc Number	2019764347
Deed Book / Page	1095 / 154
Prior Transfer Date	Sep 15, 2015
Prior Transfer Doc	0000001005/000000028
Record Refreshed	Jun 08, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Jul 08, 2019
Property Address	342 DOW ST, COBLESKILL, NY 12043-5505
Document Number	001095/154
Book / Page	1095 / 154
Instrument Date	Jul 03, 2019
Instrument	764347
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 STATE ROAD MM, BUFFALO, MO 65622-8637

Mortgage

Document Number	001843/162
Date	Jul 08, 2019
Book Page	1843/162
Instrument	764348

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Schoharie County
County Subdivision	Cobleskill 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	$4,884.00 (+14.14%)	$107,500 (-) Land $29,000 Building $78,500	$219,388 (+16.33%) Land $59,184 Building $160,204
2023		$107,500 Land $29,000 Building $78,500	$188,596 Land $50,877 Building $137,719
2020	$4,279.00

Flood & Wildfire

342 Dow St is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Schoharie County (36095C), updated February 16, 2012

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 20th percentile of exposed land nationally · 55th in New York
Wildfire Likelihood	Low — about 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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