Schoharie County and Seward Town property record for 490 Lowe Rd, Cobleskill, NY 12043 · Last verified May 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1976 |
| Square Footage | 2,010 sqft Living Area |
| Lot Size | 254,826 sqft (5.85 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $185,000 (2019) |
| Tax Bill | $5,786.00 (2025) |
Source: Schoharie County and Seward Town records · APN 434400 41.-4-12
Assessment roll updated May 14, 2026 · Last verified May 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 File |
|---|---|
| Mailing Address | 490 LOWE RD, COBLESKILL, NY 12043-6620 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 23, 2022 | Warranty Deed, Transfer · Stand Alone First Mortgage NBT BANK NATIONAL ASSOCIATION |
| Oct 15, 2019 | Warranty Deed, Transfer · Stand Alone First Mortgage CAPITAL COMMUNICATIONS FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 15, 2019 · Amount on Record |
| Deed Sale | Oct 15, 2019 · Amount on Record |
| Deed Doc Number | 2019768147 |
| Deed Book / Page | 1101 / 39 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Feb 23, 2022 |
| Property Address | 490 LOWE RD, COBLESKILL, NY 12043-6620 |
| Document Number | 001158/113 |
| Book / Page | 1158 / 113 |
| Instrument Date | Feb 15, 2022 |
| Instrument | 806721 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 264 MAIN ST, RICHMONDVILLE, NY 12149-2403 |
| Document Number | 0000806722 |
|---|---|
| Date | Feb 23, 2022 |
| Instrument | 806722 |
| Name | NBT BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Oct 15, 2019 |
| Property Address | 490 LOWE RD, COBLESKILL, NY 12043-6620 |
| Document Number | 0001101/39 |
| Book / Page | 1101 / 39 |
| Instrument Date | Oct 10, 2019 |
| Instrument | 768147 |
| Transaction Type | Transfer |
| Record Updated | Mar 21, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 852 COUNTY ROUTE 35, MEXICO, NY 13114-3268 |
| Document Number | 0000768149 |
|---|---|
| Date | Oct 15, 2019 |
| Instrument | 768149 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Schoharie County and Seward Town records · Assessment roll updated May 14, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Seward Town |
| Unified School District | Cobleskill-Richmondville Central School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,786.00 (+3.45%) | $112,900 (-) Land $20,600 Building $92,300 | $275,366 (+21.95%) Land $50,244 Building $225,122 |
| 2023 | $112,900 Land $20,600 Building $92,300 | $225,800 Land $41,200 Building $184,600 | |
| 2020 | $5,593.00 |
Source: FEMA National Flood Hazard Layer, Schoharie County (36095C), updated February 16, 2012 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 434400 41.-4-12 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Baths |
| Building Area | 2,010 sqft Living Area |
| Gross Area | 896 sqft Gross Area |
| 1st Floor | 1,296 sqft 1st Floor |
| Upper Floors | 714 sqft Upper Floors |
| Stories | 1 Stories |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Rustic Style |
| Exterior Material | Wood Exterior |
| Lot Area | 254,826 sqft (5.85 acres) |
| Lot Width | 300 ft Width |
| Total Buildings | 2 Total Buildings |
|---|---|
| Shed | 1 Shed |
| Canopy Area | 240 sqft Canopy |
| Pole Structure | Pole Structure |
| Heating System | Forced Air with Air Conditioning Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Sewage | Septic Sewage |
| Water Source | Well Water Source |
| Account Number | 525J176005 |
|---|---|
| Street Address | 490 LOWE RD |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-6620 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 4 |
| Legal Lot Number | 12.000 |
| Jurisdiction | SCHOHARIE NY |
| Minor Civil Division | SEWARD |
| Census Blockgroup | 4 |
| Census Block | 4007 |
| Census Tract | 740400 |
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