430 W Main St, Cobleskill, NY 12043 Property Records

Schoharie County and Cobleskill Town property record for 430 W Main St, Cobleskill, NY 12043

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,670 sqft · built 1920
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Dec 2021)
Tax Bill	$4,565 (2026)
Deeds & Mortgages	Aug 2023 Refinance Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`432601 68.5-4-7`

Property Details

APN / Parcel Number

Primary APN	`432601 68.5-4-7`
Alternative APNs	`260106800500040070000000` `431A100936`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,670 sqft Living Area
1st Floor Area	938 sqft
2nd Floor Area	562 sqft
Upper Floors Area	170 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	190 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	341 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	431A100936
Street Address	430 W MAIN ST
City	COBLESKILL
State	NY
Zip	12043-4659
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	HOUSE & GARAGE
Legal Block	4
Legal Lot Number	7.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	COBLESKILL
Census Block Group	5
Census Block	5011
Census Tract	740200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Cobleskill Historic District listed 1978 · 188 contributing resources · NRIS 78001910

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	430 W MAIN ST, COBLESKILL, NY 12043-4659
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance HMTAP EQUITY PARTNERS
Dec 16, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage LOANDEPOT.COM LLC
Nov 13, 2017	Deed of Trust, Mortgage STATE EMPLOYEE FCU (NY)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2021 · Amount on Record
Deed Sale	Dec 16, 2021 · Amount on Record
Prior Sale	Sep 20, 2007 · Amount on Record
Deed Document Number	2021801368
Deed Book / Page	1153 / 172
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	430 W MAIN ST, COBLESKILL, NY 12043-4659
Transaction Type	Mortgage
Record Updated	Sep 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002049/149
Date	Aug 23, 2023
Book Page	2049/149
Instrument	822379

Lender

Name	HMTAP EQUITY PARTNERS

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Dec 16, 2021
Property Address	430 W MAIN ST, COBLESKILL, NY 12043-4659
Document Number	001153/172
Book / Page	1153 / 172
Instrument Date	Dec 6, 2021
Instrument	801368
Transaction Type	Transfer
Record Updated	Jan 4, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	5240 LOCKWOOD CIR, SANTA ROSA, CA 95409-2750

Mortgage

Document Number	0000801371
Date	Dec 16, 2021
Instrument	801371

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	430 W MAIN ST, COBLESKILL, NY 12043-4659
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001780/0000000223
Date	Nov 13, 2017
Book Page	0000001780/0000000223
Instrument	000000728072

Lender

Name	STATE EMPLOYEE FCU (NY)

Agreement

Amount	Amount Recorded
Term	170 Months
Due	Jan 1, 2032

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
Municipality	Cobleskill Village
Unified School District	Cobleskill-Richmondville Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,565.00 (+5.18%)
2025	$4,340.00 (+6.63%)	$74,400 (-) Land $15,700 Building $58,700	$151,837 (+16.33%) Land $32,041 Building $119,796
2023		$74,400 Land $15,700 Building $58,700	$130,526 Land $27,544 Building $102,982
2020	$4,070.00

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

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	19 (2011–2013)
Most Recent Claim	Jun 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

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.

Drinking Water

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

Water System	COBLESKILL VILLAGE serves 4,678 people · EPA ID NY4700094
Water Source	Surface water
Last State Inspection	Oct 2023
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Aug 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: MIDTEL.

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