408 Settles Mountain Rd, Cobleskill, NY 12043 Property Records

Schoharie County and Cobleskill Town property record for 408 Settles Mountain Rd, Cobleskill, NY 12043

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,336 sqft · built 2021
Lot Size	85.4 acres (3,723,073 sqft)
Owner	2 Individual Names on Record
Tax Bill	$10,223 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Oct 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`432689 55.-1-2.2`

Property Details

APN / Parcel Number

Primary APN	`432689 55.-1-2.2`
Alternative APN	`435J220004`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,336 sqft Living Area
1st Floor Area	2,000 sqft
2nd Floor Area	336 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Contemporary
Exterior Material	Wood
Lot Area	3,723,073 sqft (85.4 acres)
Lot Width	1,746 ft Width
Porch	Slab

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	435J220004
Street Address	408 SETTLES MOUNTAIN RD
City	COBLESKILL
State	NY
Zip	12043-7404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Block	1
Legal Lot Number	2.002
Jurisdiction	SCHOHARIE NY
Township / Civil Division	COBLESKILL
Census Block Group	3
Census Block	3003
Census Tract	740200

Owner

Source: Schoharie County and Cobleskill Town records, as of May 14, 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 Record
Mailing Address	408 SETTLES MOUNTAIN RD, COBLESKILL, NY 12043-7404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2025	Deed of Trust, Mortgage · Line of Credit BROADVIEW FCU
Oct 7, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 1, 2020
Transfer Doc	001121/135
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	408 SETTLES MOUNTAIN RD, COBLESKILL, NY 12043-7404
Transaction Type	Mortgage
Record Updated	Oct 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002129/39
Date	Sep 25, 2025
Book Page	2129/39
Instrument	829946

Lender

Name	BROADVIEW FCU

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2040

Interest

Rate Type	Adjustable Rate

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Oct 7, 2020
Property Address	408 SETTLES MOUNTAIN RD, COBLESKILL, NY 12043-7404
Document Number	001121/135
Book / Page	1121 / 135
Instrument Date	Oct 1, 2020
Instrument	780805
Transaction Type	Transfer
Record Updated	Mar 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	574 CLOVE RD, COBLESKILL, NY 12043-6808

Tax Assessment & Valuation

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
2025	$10,223.00	$225,000 (-) Land $65,000 Building $160,000	$459,184 (+16.33%) Land $132,653 Building $326,531
2023		$225,000 Land $65,000 Building $160,000	$394,737 Land $114,035 Building $280,702

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 · 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	4 in force
Nearby Flood Claims	5 (1996–2011)
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 2 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

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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

May also be available: Spectrum, Verizon.

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