Schoharie County and Cobleskill Town property record for 521 W Main St, Cobleskill, NY 12043
| Property Type | Mixed Use Store/Office |
|---|---|
| Details | 1,628 sqft · built 1940 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,625 (2026) |
| Flood Zone | Zone AE (high risk) |
| APN | 432601 68.5-3-25 |
| Primary APN | 432601 68.5-3-25 |
|---|---|
| Alternative APNs |
|
| Units | 3 Units |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,628 sqft Gross Area |
| Basement Area | 552 sqft |
| Unfinished Basement | 552 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 105 ft deep x 90 ft wide |
| Canopy | 120 sqft |
| Sewer | Municipal |
|---|---|
| Water Source | Commercial |
| Account Number | 431A100813 |
|---|---|
| Street Address | 521 W MAIN ST |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-4724 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Mixed Use Store/Office |
| Local Zoning Code | GB |
| Legal Description | HOTEL & P LOT |
| Legal Block | 3 |
| Legal Lot Number | 25.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 3 |
| Census Block | 3009 |
| 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.
521 W Main St, a commercial property, is owned by an individual.
Source: Schoharie County and Cobleskill Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 100, SHARON SPRINGS, NY 13459-0100 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 521 W Main St was $4,625, up 22% 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 | $4,625.00 (+22%) | ||
| 2025 | $3,791.00 | $65,000 Land $15,000 Building $50,000 | $132,653 Land $30,612 Building $102,041 |
| 2023 | $65,000 (-) Land $15,000 Building $50,000 | $114,035 (+12.28%) Land $26,316 Building $87,719 | |
| 2022 | $65,000 Land $15,000 Building $50,000 | $101,563 Land $23,438 Building $78,125 | |
| 2020 | $8,239.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 521 W Main St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective February 16, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 521 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 362 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 · Fiber in parts of the area | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: MIDTEL.
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