3784 State Rte 145, Cobleskill, NY 12043 Property Records

Schoharie County and Cobleskill Town property record for 3784 State Rte 145, Cobleskill, NY 12043

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,614 sqft · built 1890
Lot Size	1.29 acres (56,192 sqft)
Owner	Individual Name on File
Last Sale	$95,000 (Apr 2017)
Tax Bill	$5,158 (2026)
Deeds & Mortgages	Apr 2017 Mortgage Apr 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`432689 69.-3-8`

Property Details

APN / Parcel Number

Primary APN	`432689 69.-3-8`
Alternative APNs	`268906900000030080000000` `435J181009`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,614 sqft Living Area
1st Floor Area	1,053 sqft
2nd Floor Area	1,561 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	56,192 sqft (1.29 acres)
Lot Width	370 ft Width
Porch	Slab
Porch Area	52 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	435J181009
Street Address	3784 STATE ROUTE 145
City	COBLESKILL
State	NY
Zip	12043-5413
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B2
Legal Description	HOUSE
Legal Block	3
Legal Lot Number	8.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	COBLESKILL
Census Block Group	1
Census Block	1047
Census Tract	740200

Owner

3784 State Rte 145 is owned and occupied by an individual who bought it in April 2017.

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

Owner of Record	Individual Name on File
Mailing Address	3784 STATE ROUTE 145, COBLESKILL, NY 12043-5413
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
Apr 11, 2017	Deed of Trust, Mortgage TRUSTCO BANK
Apr 11, 2017	Deed, Transfer NOT AVAILABLE, MARVIN JR. PARSHALL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 2017 · Amount on File
Deed Sale	Apr 11, 2017 · Amount on File
Prior Sale	Sep 30, 2016 · Amount on File
Deed Book / Page	1041 / 16
Prior Transfer Date	Jan 19, 2007
Prior Transfer Doc	0000000828/000000024
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	3784 STATE ROUTE 145, COBLESKILL, NY 12043-5413
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001755/0000000226
Date	Apr 11, 2017
Book Page	0000001755/0000000226
Instrument	000000718226

Lender

Name	TRUSTCO BANK
Type	Bank

Agreement

Amount	Amount on Record

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Apr 11, 2017
Property Address	3784 STATE ROUTE 145, COBLESKILL, NY 12043-5413
Document Number	0000001041/0000000016
Book / Page	0000001041 / 0000000016
Instrument Date	Apr 3, 2017
Transaction Type	Transfer
Record Updated	May 12, 2022
Title Company	NOT AVAILABLE, MARVIN JR. PARSHALL

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3784 STATE ROUTE 145, COBLESKILL, NY 12043-5413

Tax Assessment & Valuation

The 2026 property tax bill for 3784 State Rte 145 was $5,158, up 6.1% from the year before.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,158.00 (+6.09%)
2025	$4,862.00	$107,000 Land $13,100 Building $93,900	$218,367 Land $26,735 Building $191,632
2023		$107,000 Land $13,100 Building $93,900	$187,719 Land $22,982 Building $164,737
2020	$4,732.00

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

Flood

FEMA maps place 3784 State Rte 145 in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1996.

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	1 in force
Nearby Flood Claims	3 (1996–2011)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Aug 2011 · Hurricane Irene

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

Wildfire risk around 3784 State Rte 145 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
MIDTEL Fiber	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on State Rte 145

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