5449 State Rte 145, Cobleskill, NY 12043 Property Records

Schoharie County and Seward Town property record for 5449 State Rte 145, Cobleskill, NY 12043

Property Summary

Property Type	Single Family Home
Details	6 bd · 2 ba · 2,938 sqft · built 1850
Lot Size	6.33 acres (275,735 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,186 (2026)
Flood Zone	Zone X (minimal risk)
APN	`434400 33.-5-18`

Property Details

APN / Parcel Number

Primary APN	`434400 33.-5-18`
Alternative APNs	`440003300000050180000000` `525J187003`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,938 sqft Living Area
1st Floor Area	1,469 sqft
2nd Floor Area	1,469 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	275,735 sqft (6.33 acres)
Lot Width	1,099 ft Width
Porch	Slab
Porch Area	642 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	525J187003
Street Address	5449 STATE ROUTE 145
City	COBLESKILL
State	NY
Zip	12043
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OS
Legal Block	5
Legal Lot Number	18.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	SEWARD
Census Block Group	3
Census Block	3064
Census Tract	740400

Owner

5449 State Rte 145, a single family home, is owned by two individuals.

Source: Schoharie County and Seward Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	401 N GRAND ST, COBLESKILL, NY 12043-4168
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

Tax Assessment & Valuation

The 2026 property tax bill for 5449 State Rte 145 was $6,186, up 9.7% from the year before.

Source: Schoharie County and Seward Town assessment roll, as of May 14, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,186.00 (+9.72%)
2025	$5,638.00	$110,000 Land $21,100 Building $88,900	$268,293 Land $51,463 Building $216,830
2023		$110,000 Land $21,100 Building $88,900	$220,000 Land $42,200 Building $177,800
2020	$5,430.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5449 State Rte 145 in Zone X, an area of minimal flood risk, though there have been 3 flood claims 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	4 in force
Nearby Flood Claims	3 (2011–2015)
Most Recent Claim	Feb 2015 · other causes
Claims by Event	Hurricane Irene, Aug 2011 · 2 claims

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

Wildfire risk around 5449 State Rte 145 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.

Internet Providers

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