Schoharie County and Cobleskill Town property record for 499 Settles Mountain Rd, Cobleskill, NY 12043
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 3 ba · 3,216 sqft · built 1985 |
| Lot Size | 42.3 acres (1,842,588 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $12,429 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 432689 55.-2-1 |
| Primary APN | 432689 55.-2-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,216 sqft Living Area |
| 1st Floor Area | 1,776 sqft |
| 2nd Floor Area | 1,440 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Lot Area | 1,842,588 sqft (42.3 acres) |
| Lot Width | 1,773 ft Width |
| Garage Type | Attached |
| Garage Area | 650 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 840 sqft |
| Canopy | 288 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 435J100245 |
|---|---|
| Street Address | 499 SETTLES MOUNTAIN RD |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-7808 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | RR |
| Legal Description | HOUSE & 2 CAR GAR |
| Legal Block | 2 |
| Legal Lot Number | 1.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 740200 |
499 Settles Mountain Rd, a rural home, is owner-occupied and held in a trust since March 2011.
Source: Schoharie County and Cobleskill Town records, as of October 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | PO BOX 842, COBLESKILL, NY 12043-0842 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
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 Transfer Date | Mar 16, 2011 |
| Transfer Doc | 0000000914/000000025 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 499 Settles Mountain Rd was $12,429 with exemptions applied, up 6.1% 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 |
| Unified School District | Cobleskill-Richmondville Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $12,429.00 (+6.1%) Homeowner's exemption Veteran's exemption | ||
| 2025 | $11,714.00 | $259,800 Land $59,220 Building $200,580 | $530,204 Land $120,857 Building $409,347 |
| 2023 | $259,800 Land $59,220 Building $200,580 | $455,789 Land $103,895 Building $351,894 | |
| 2020 | $10,805.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 499 Settles Mountain Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1996.
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 | 4 in force |
| Nearby Flood Claims | 5 (1996–2011) |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| 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 499 Settles Mountain 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
5G and 4G LTE (outdoors only)
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