Schoharie County and Cobleskill Town property record for 435 W Main St, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 2 ba · 2,618 sqft · built 1810 |
| Lot Size | 0.53 acres (23,087 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $176,870 (Apr 2005) |
| Tax Bill | $6,523 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 432601 68.5-2-25 |
| Primary APN | 432601 68.5-2-25 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,618 sqft Living Area |
| 1st Floor Area | 1,309 sqft |
| 2nd Floor Area | 1,309 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1810 |
|---|---|
| Effective Year Built | Effective 1810 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Lot Area | 23,087 sqft (0.53 acres) |
| Lot Dimensions | 199 ft deep x 115 ft wide |
| Garage Type | Detached |
| Garage Area | 558 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 303 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 431A100653 |
|---|---|
| Street Address | 435 W MAIN ST |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-4653 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | HOUSE & BLDGS |
| Legal Block | 2 |
| Legal Lot Number | 25.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 5 |
| Census Block | 5012 |
| Census Tract | 740200 |
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.
435 W Main St is owned and occupied by two individuals who acquired it in July 2012.
Source: Schoharie County and Cobleskill Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 435 W MAIN ST, COBLESKILL, NY 12043-4653 |
| 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 | 2 Names on Deed |
|---|---|
| Last Sale | Apr 18, 2005 · Amount on File |
| Deed Sale | Apr 18, 2005 · Amount on File |
| Prior Sale | Sep 30, 1998 · Amount on File |
| Deed Book / Page | 784 / 43 |
| Last Transfer Date | Jul 11, 2012 |
| Transfer Doc | 0000000941/000000017 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 435 W Main St was $6,523 with a homeowner's exemption, up 5.2% from the year before.
Source: Schoharie County and Cobleskill Town assessment roll, as of May 14, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,523.00 (+5.21%) Homeowner's exemption | ||
| 2025 | $6,200.00 | $106,300 Land $19,000 Building $87,300 | $216,939 Land $38,776 Building $178,163 |
| 2023 | $106,300 Land $19,000 Building $87,300 | $186,491 Land $33,333 Building $153,158 | |
| 2020 | $5,254.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 435 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 Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 |
|
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 435 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 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 249 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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