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404 W Main St, Cobleskill, NY 12043 Property Records

Schoharie County and Cobleskill Town property record for 404 W Main St, Cobleskill, NY 12043

Property Summary

Property TypeDuplex
Details4 bd · 3 ba · 1,728 sqft · built 1880
Lot Size0.24 acres (10,454 sqft)
OwnerCompany Name on File
Last Sale$70,000 (Jun 2023)
Tax Bill$4,649 (2026)
Deeds & MortgagesFeb 2024 Sale
Jun 2023 Sale
Flood ZoneZone X (minimal risk)
APN432601 68.5-4-2

Property Details

APN / Parcel Number

Primary APN432601 68.5-4-2
Alternative APNs
  • 260106800500040020000000
  • 431A101465

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area1,728 sqft Total Area
1st Floor Area864 sqft
2nd Floor Area864 sqft

Exterior

Year BuiltBuilt 1880
Effective Year BuiltEffective 1880
Architectural StyleColonial
Exterior MaterialWood
Lot Area10,454 sqft (0.24 acres)
Lot Dimensions188 ft deep x 66.1 ft wide
PorchSlab
Porch Area60 sqft

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number431A101465
Street Address404 W MAIN ST
CityCOBLESKILL
StateNY
Zip12043-4659
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Local Zoning CodeR3
Legal Description2 FAM HSE
Legal Block4
Legal Lot Number2.000
JurisdictionSCHOHARIE NY
Township / Civil DivisionCOBLESKILL
Census Block Group5
Census Block5011
Census Tract740200

Owner

404 W Main St, a duplex, is owned by a company that bought it in June 2023.

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

Owner of RecordCompany Name on File
Mailing Address300 UNION ST PO BOX 5888 ST JOHN CANADA E2L4L4, E2L4L4
Owner TypeCompany
VestingCompany

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

DateDocument
Feb 13, 2024Warranty Deed, Transfer
Jun 1, 2023Deed, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 1, 2023 · Amount on File
Deed SaleJun 1, 2023 · Amount on File
Prior SaleJun 1, 2023 · Amount on File
Deed Document Number2023821515
Deed Book / Page1190 / 240
Record UpdatedOct 29, 2026

February 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHOHARIE NY
Recording DateFeb 13, 2024
Property Address404 W MAIN ST, COBLESKILL, NY 12043-4659
Document Number001206/205
Book / Page1206 / 205
Instrument DateJan 16, 2024
Instrument824279
Transaction TypeTransfer
Record UpdatedMar 5, 2024

Transaction

AmountAmount on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

June 2023: Deed, Transfer

Document TypeDeed
JurisdictionSCHOHARIE NY
Recording DateJun 1, 2023
Property Address404 W MAIN ST, COBLESKILL, NY 12043-4659
Document Number001190/235
Book / Page1190 / 235
Instrument DateMay 23, 2023
Instrument821514
Transaction TypeTransfer
Record UpdatedJun 20, 2023

Transaction

AmountAmount on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address128 MACARTHUR AVE, COBLESKILL, NY 12043-3603
InvestorPossibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 404 W Main St was $4,649, up 42.2% from the year before.

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

Property Jurisdictions

TypeName
StateNew York
CountySchoharie County
County SubdivisionCobleskill Town
MunicipalityCobleskill Village
Unified School DistrictCobleskill-Richmondville Central School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$4,649.00 (+42.17%)
2025$3,270.00$54,300 Land $16,000 Building $38,300$110,816 Land $32,653 Building $78,163
2023$54,300 Land $16,000 Building $38,300$95,263 Land $28,070 Building $67,193
2020$2,971.00

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

Flood

FEMA maps place 404 W Main St in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 2011.

Source: FEMA National Flood Hazard Layer, effective February 16, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 11 policies
Nearby Flood Policies11 in force
Nearby Flood Claims19 (2011–2013)
Most Recent ClaimJun 2013 · other causes
Claims by Event
  • Remnants Of Tropical Storm Lee, Sep 2011 · 7 claims
  • Hurricane Irene, Aug 2011 · 11 claims

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 404 W Main St is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · above 54% of New York
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemCOBLESKILL VILLAGE
serves 4,678 people · EPA ID NY4700094
Water SourceSurface water
Last State InspectionOct 2023
Lead3 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityTurbidity
resolved · Aug 2024
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 249 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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