Schoharie County and Seward Town property record for 428 Clove Rd, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,612 sqft · built 1970 |
| Lot Size | 0.87 acres (37,897 sqft) |
| Owner | Individual Name on File |
| Last Sale | $19,104 (Jan 1997) |
| Tax Bill | $3,522 (2026) |
| Deeds & Mortgages | Sep 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 434400 65.-2-2 |
| Primary APN | 434400 65.-2-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,612 sqft Living Area |
| 1st Floor Area | 1,612 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 37,897 sqft (0.87 acres) |
| Lot Dimensions | 237 ft deep x 180 ft wide |
| Garage Type | Attached |
| Garage Area | 1,040 sqft |
| Parking Spaces | 4 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 525J101581 |
|---|---|
| Street Address | 428 CLOVE RD |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-6806 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | R1 180 X 237.76 |
| Legal Block | 2 |
| Legal Lot Number | 2.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | SEWARD |
| Census Block Group | 4 |
| Census Block | 4039 |
| Census Tract | 740400 |
428 Clove Rd is owned and occupied by an individual who bought it in January 1997.
Source: Schoharie County and Seward Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 428 CLOVE RD, COBLESKILL, NY 12043-6806 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 24, 1997 · Amount on File |
| Deed Sale | Jan 24, 1997 · Amount on File |
| Deed Book / Page | 609 / 113 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 428 CLOVE RD, COBLESKILL, NY 12043-6806 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 000000725773 |
|---|---|
| Date | Sep 20, 2017 |
| Book Page | 0000001774/0000000024 |
| Instrument | 000000725773 |
| Name | FIRST NEW YORK FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 428 Clove Rd was $3,522 with exemptions applied, up 9.8% from the year before.
Source: Schoharie County and Seward Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Seward Town |
| Unified School District | Cobleskill-Richmondville Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,522.00 (+9.79%) Homeowner's exemption Veteran's exemption | ||
| 2025 | $3,208.00 | $65,100 Land $9,100 Building $56,000 | $158,780 Land $22,195 Building $136,585 |
| 2023 | $65,100 Land $9,100 Building $56,000 | $130,200 Land $18,200 Building $112,000 | |
| 2020 | $2,422.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 428 Clove Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2011) |
| 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 risk around 428 Clove 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.
Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
5G (outdoors only)
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