Schoharie County and Seward Town property record for 468 Clove Rd, Cobleskill, NY 12043
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,786 sqft · built 1875 |
| Lot Size | 79 acres (3,441,240 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $310,000 (Feb 2011) |
| Tax Bill | $10,074 (2026) |
| Deeds & Mortgages | May 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 434400 65.-2-5 |
| Primary APN | 434400 65.-2-5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,786 sqft Living Area |
| 1st Floor Area | 1,386 sqft |
| 2nd Floor Area | 1,400 sqft |
| Year Built | Built 1875 |
|---|---|
| Effective Year Built | Effective 1875 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,441,240 sqft (79 acres) |
| Lot Width | 900 ft Width |
| Garage Type | Detached |
| Garage Area | 1,776 sqft |
| Parking Spaces | 7 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 420 sqft |
| Shed | 1 Shed |
| Canopy | 400 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 525J184012 |
|---|---|
| Street Address | 468 CLOVE RD |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-6806 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | RA |
| Legal Description | SEE 645/26 &389/939 & WB1 LAND CONTRACT 65-2-1.1 D&C W/THS 2/02 |
| Legal Block | 2 |
| Legal Lot Number | 5.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | SEWARD |
| Census Block Group | 4 |
| Census Block | 4039 |
| Census Tract | 740400 |
Source: Schoharie County and Seward 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 468 CLOVE RD, COBLESKILL, NY 12043-6806 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 18, 2011 · Amount on Record |
| Deed Sale | Feb 18, 2011 · Amount on Record |
| Prior Sale | Oct 10, 2006 · Amount on Record |
| Deed Book / Page | 913 / 66 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 468 CLOVE RD, COBLESKILL, NY 12043-6806 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1840/1 |
|---|---|
| Date | May 30, 2019 |
| Book Page | 1840/1 |
| Instrument | 762816 |
| Name | NBT BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2039 |
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 | $10,074.00 (+29.49%) | ||
| 2025 | $7,780.00 (+35.87%) | $183,500 (+17.63%) Land $70,000 Building $113,500 | $447,561 (+43.45%) Land $170,732 Building $276,829 |
| 2023 | $156,000 Land $70,000 Building $86,000 | $312,000 Land $140,000 Building $172,000 | |
| 2020 | $5,726.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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