Schoharie County and Seward Town property record for 5313 State Rte 10, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,455 sqft · built 1975 |
| Lot Size | 1.1 acres (47,916 sqft) |
| Owner | Individual Name on File |
| Last Sale | $200,000 (Oct 2020) |
| Tax Bill | $6,743 (2026) |
| Deeds & Mortgages | Oct 2020 Mortgage Sep 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 434400 55.-5-7 |
| Primary APN | 434400 55.-5-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,455 sqft Living Area |
| 1st Floor Area | 1,455 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Rustic |
| Exterior Material | Wood |
| Lot Area | 47,916 sqft (1.1 acres) |
| Lot Width | 250 ft Width |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 536 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 525J175013 |
|---|---|
| Street Address | 5313 STATE ROUTE 10 |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-6201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | LOG HOUSE-LOT |
| Legal Block | 5 |
| Legal Lot Number | 7.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | SEWARD |
| Census Block Group | 4 |
| Census Block | 4050 |
| Census Tract | 740400 |
5313 State Rte 10 is owned by an individual who bought it in October 2020.
Source: Schoharie County and Seward Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 624, RICHMONDVILLE, NY 12149-0624 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 28, 2020 | Deed of Trust, Mortgage · Stand-Alone First Mortgage FREEDOM MORTGAGE CORP |
| Sep 10, 2019 | Deed of Trust, Mortgage · Balloon Mortgage STATE EMPLOYEES FCU |
| Oct 28, 2020 | Warranty Deed, Transfer · Stand-Alone First Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 28, 2020 · Amount on File |
| Deed Sale | Oct 28, 2020 · Amount on File |
| Prior Sale | Jul 30, 2003 · Amount on File |
| Deed Document Number | 2020781486 |
| Deed Book / Page | 1123 / 92 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 5313 STATE ROUTE 10, COBLESKILL, NY 12043-6201 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 001901/254 |
|---|---|
| Date | Oct 28, 2020 |
| Book Page | 1901/254 |
| Instrument | 781488 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 5313 STATE ROUTE 10, COBLESKILL, NY 12043-6201 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1850/97 |
|---|---|
| Date | Sep 10, 2019 |
| Book Page | 1850/97 |
| Instrument | 766842 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Oct 28, 2020 |
| Property Address | 5313 STATE ROUTE 10, COBLESKILL, NY 12043-6201 |
| Document Number | 0001123/92 |
| Book / Page | 1123 / 92 |
| Instrument Date | Oct 23, 2020 |
| Instrument | 781486 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 624, RICHMONDVILLE, NY 12149-0624 |
| Document Number | 001901/240 |
|---|---|
| Date | Oct 28, 2020 |
| Book Page | 1901/240 |
| Instrument | 781487 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
The 2026 property tax bill for 5313 State Rte 10 was $6,743, up 9.7% from the year before.
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 | $6,743.00 (+9.71%) | ||
| 2025 | $6,146.00 | $119,900 Land $10,300 Building $109,600 | $292,439 Land $25,122 Building $267,317 |
| 2023 | $119,900 Land $10,300 Building $109,600 | $239,800 Land $20,600 Building $219,200 | |
| 2020 | $4,158.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5313 State Rte 10 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.
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.
Wildfire risk around 5313 State Rte 10 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: FCC Broadband Data Collection, based on 15 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 |
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