365 Evergreen Rd, Cobleskill, NY 12043 Property Records

Schoharie County and Carlisle Town property record for 365 Evergreen Rd, Cobleskill, NY 12043

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 1,176 sqft · built 2010
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Jul 2023)
Tax Bill	$4,473 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`432400 24.-3-49`

Property Details

APN / Parcel Number

Primary APN	`432400 24.-3-49`
Alternative APNs	`240002400000030490000000` `425J181006`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,176 sqft Living Area
1st Floor Area	1,176 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	87,120 sqft (2 acres)
Lot Width	145 ft Width
Garage Type	Basement
Porch	Slab
Porch Area	100 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	425J181006
Street Address	365 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
Legal Block	3
Legal Lot Number	49.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	CARLISLE
Census Block Group	2
Census Block	2032
Census Tract	740400

Owner

365 Evergreen Rd is owned and occupied by an individual who bought it in July 2023.

Source: Schoharie County and Carlisle Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	365 EVERGREEN RD, COBLESKILL, NY 12043-4158
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage BROADVIEW FEDERAL CREDIT UNION
Aug 30, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Dec 26, 2018	Deed of Trust, Mortgage · Balloon Mortgage SUNMARK FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2023 · Amount on File
Deed Sale	Jul 13, 2023 · Amount on File
Prior Sale	Jun 9, 2021 · Amount on File
Deed Document Number	2023821933
Deed Book / Page	1193 / 20
Prior Transfer Date	Apr 10, 2014
Prior Transfer Doc	0000000973/000000002
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Jul 13, 2023
Property Address	365 EVERGREEN RD, COBLESKILL, NY 12043-4158
Document Number	0001193/20
Book / Page	1193 / 20
Instrument Date	Jun 16, 2023
Instrument	821933
Transaction Type	Transfer
Record Updated	Aug 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2139 NEW YORK 30, FULTONHAM, NY 12071

Mortgage

Document Number	0000821934
Date	Jul 13, 2023
Instrument	821934

Lender

Name	BROADVIEW FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Jul 1, 2033
Max Rate At Change	2.75%
Index	Other

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	365 EVERGREEN RD, COBLESKILL, NY 12043-4158
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001951/279
Date	Aug 30, 2021
Book Page	1951/279
Instrument	795232

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	365 EVERGREEN RD, COBLESKILL, NY 12043-4158
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1826/19
Date	Dec 26, 2018
Book Page	1826/19
Instrument	754867

Lender

Name	SUNMARK FCU
Type	Credit Union

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	229 Months
Due	Jan 1, 2038

Tax Assessment & Valuation

The 2026 property tax bill for 365 Evergreen Rd was $4,473, up 9.7% from the year before.

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	$4,473.00 (+9.71%)
2025	$4,077.00	$80,100 Land $14,000 Building $66,100	$195,366 Land $34,146 Building $161,220
2023		$80,100 (-) Land $14,000 Building $66,100	$160,200 (+15%) Land $28,000 Building $132,200
2022		$80,100 Land $14,000 Building $66,100	$139,304 Land $24,348 Building $114,956
2020	$3,324.00

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.

Flood

FEMA maps place 365 Evergreen Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 365 Evergreen 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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