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5458 State Rte 145, Cobleskill, NY 12043 Property Records

Schoharie County and Seward Town property record for 5458 State Rte 145, Cobleskill, NY 12043

Property Summary

Property TypeRural Home
Details4 bd · 2 ba · 1,848 sqft · built 1986
Lot Size20.8 acres (906,919 sqft)
OwnerIndividual Name on File
Last Sale$245,920 (Nov 2019)
Tax Bill$8,155 (2026)
Deeds & MortgagesJul 2023 Mortgage
Nov 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN434400 33.-5-20

Property Details

APN / Parcel Number

Primary APN434400 33.-5-20
Alternative APNs
  • 440003300000050200000000
  • 525J186016

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,848 sqft Living Area
1st Floor Area1,232 sqft
Upper Floors Area616 sqft

Exterior

Year BuiltBuilt 1986
Effective Year BuiltEffective 1986
Architectural StyleCape Cod
Exterior MaterialAluminum/Vinyl
Lot Area906,919 sqft (20.8 acres)
Lot Width1,717 ft Width
PorchSlab
Porch Area276 sqft
Shed1 Shed

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil
SewerSeptic
Water SourceWell

Location & Zoning

Account Number525J186016
Street Address5458 STATE ROUTE 145
CityCOBLESKILL
StateNY
Zip12043-7510
Property CategoryResidential
Property TypeResidential > Single Family > Rural Home
Local Zoning CodeOS
Legal DescriptionMODULAR 28X44 1987
Legal Block5
Legal Lot Number20.000
JurisdictionSCHOHARIE NY
Township / Civil DivisionSEWARD
Census Block Group3
Census Block3065
Census Tract740400

Owner

5458 State Rte 145, a rural home, is owned by an individual who bought it in November 2019.

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

Owner of RecordIndividual Name on File
Mailing Address2 BEAUMONT LN, LAKE GROVE, NY 11755-2704
Owner TypeIndividual

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

DateDocument
Jul 12, 2023Deed of Trust, Mortgage · FHA Mortgage
SECRETARY HOUSING URBAN DEVELOPMENT
Nov 1, 2019Deed, Transfer · Stand-Alone First Mortgage
HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 1, 2019 · Amount on File
Deed SaleNov 1, 2019 · Amount on File
Prior SaleAug 14, 2002 · Amount on File
Deed Document Number2019768922
Deed Book / Page1102 / 103
Record UpdatedOct 29, 2026

July 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHOHARIE NY
Property Address5458 STATE ROUTE 145, COBLESKILL, NY 12043-7510
Transaction TypeMortgage
Record UpdatedAug 1, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0002045/60
DateJul 12, 2023
Book Page2045/60
Instrument821920
Lender
NameSECRETARY HOUSING URBAN DEVELOPMENT
TypeGovernment Agency
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term313 Months
DueAug 1, 2049

November 2019: Deed, Transfer

Document TypeDeed
JurisdictionSCHOHARIE NY
Recording DateNov 1, 2019
Property Address5458 STATE ROUTE 145, COBLESKILL, NY 12043-7510
Document Number001102/103
Book / Page1102 / 103
Instrument DateOct 17, 2019
Instrument768922
Transaction TypeTransfer
Record UpdatedMay 12, 2022

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2123 SHADY LN, GROVELAND, FL 34736-8707

Mortgage

Document Number001857/123
DateNov 1, 2019
Book Page1857/123
Instrument768923
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeGovernment Agency
Agreement
TypeStand-Alone First Mortgage
AmountAmount on Record
Term361 Months
DueDec 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 5458 State Rte 145 was $8,155, up 9.7% from the year before.

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

Property Jurisdictions

TypeName
StateNew York
CountySchoharie County
County SubdivisionSeward Town
Unified School DistrictCobleskill-Richmondville Central School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$8,155.00 (+9.73%)
2025$7,432.00$145,000 Land $21,800 Building $123,200$353,659 Land $53,171 Building $300,488
2023$145,000 Land $21,800 Building $123,200$290,000 Land $43,600 Building $246,400
2020$7,158.00

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

Flood

FEMA maps place 5458 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies4 in force
Nearby Flood Claims3 (2011–2015)
Most Recent ClaimFeb 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 5458 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 RiskLow
lower than 80% of the US · above 54% of New York
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000

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