5040 State Rte 10, Cobleskill, NY 12043 Property Records

Schoharie County and Richmondville Town property record for 5040 State Rte 10, Cobleskill, NY 12043 · Last verified May 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2 Baths
Year Built	Built 1967
Square Footage	1,712 sqft Living Area
Lot Size	21,780 sqft (0.5 acres)
Occupancy	Owner Occupied
Last Sale	$180,000 (2021)
Tax Bill	$5,211.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`434089 67.-4-2`
Alternative APNs	`408906700000040020000000` `505J102363`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,712 sqft Living Area
1st Floor	1,712 sqft 1st Floor
Stories	1 Stories

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Ranch Style
Exterior Material	Wood Exterior
Lot Area	21,780 sqft (0.5 acres)
Depth X Width	120 ft x 165 ft Depth x Width

Utilities and HVAC

Heating System	Hot Water Heating
Heating Fuel	Oil Heating Fuel
Sewage	Septic Sewage
Water Source	Well Water Source

Location & Zoning

Account Number	505J102363
Street Address	5040 STATE ROUTE 10
City	COBLESKILL
State	NY
Zip	12043-7300
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	4
Legal Lot Number	2.000
Jurisdiction	SCHOHARIE NY
Minor Civil Division	RICHMONDVILLE
Census Blockgroup	3
Census Block	3007
Census Tract	740500

Owner

Source: Schoharie County and Richmondville Town records · APN 434089 67.-4-2

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	5040 STATE ROUTE 10, COBLESKILL, NY 12043-7300
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 29, 2021 · Amount on Record
Deed Sale	Oct 29, 2021 · Amount on Record
Deed Doc Number	2021797879
Deed Book / Page	1150 / 46
Prior Transfer Date	Apr 28, 2011
Prior Transfer Doc	0000000917/000000015
Record Refreshed	Jun 08, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Oct 29, 2021
Property Address	5040 STATE ROUTE 10, COBLESKILL, NY 12043-7300
Document Number	1150/46
Book / Page	1150 / 46
Instrument Date	Oct 08, 2021
Instrument	797879
Transaction Type	Transfer
Record Updated	Nov 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5040 STATE ROUTE 10, COBLESKILL, NY 12043-7300

Mortgage

Document Number	797883
Date	Oct 29, 2021
Instrument	797883

Lender

Name	BALLSTON SPA NATIONAL BANK
Type	Bank

Agreement

Type	Stand Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Schoharie County and Richmondville Town records · Assessment roll updated May 14, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	New York
County	Schoharie County
County Subdivision	Richmondville Town
Unified School District	Cobleskill-Richmondville Central School District (PK - 12)

Tax Bill & Assessment History

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	$5,211.00 (+51.57%)	$128,400 (-) Land $12,100 Building $116,300	$207,097 (+16.77%) Land $19,516 Building $187,581
2023		$128,400 Land $12,100 Building $116,300	$177,348 Land $16,713 Building $160,635
2020	$3,438.00

Flood & Wildfire

5040 State Rte 10 is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Schoharie County (36095C), updated February 16, 2012

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 20th percentile of exposed land nationally · 55th in New York
Wildfire Likelihood	Low — about 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.