5491 State Rte 10, Cobleskill, NY 12043 Property Records

Schoharie County and Seward Town property record for 5491 State Rte 10, Cobleskill, NY 12043

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,500 sqft · built 1956
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Last Sale	$53,000 (Nov 2012)
Tax Bill	$5,182 (2026)
Deeds & Mortgages	Sep 2022 Refinance Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`434400 54.-2-7`

Property Details

APN / Parcel Number

Primary APN	`434400 54.-2-7`
Alternative APNs	`440005400000020070000000` `525J101283`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,500 sqft Living Area
1st Floor Area	1,500 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 2024
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	87,120 sqft (2 acres)
Lot Width	278 ft Width
Garage Type	Mixed
Garage Area	448 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	68 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	525J101283
Street Address	5491 STATE ROUTE 10
City	COBLESKILL
State	NY
Zip	12043-6204
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	R1
Legal Block	2
Legal Lot Number	7.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	SEWARD
Census Block Group	4
Census Block	4050
Census Tract	740400

Owner

5491 State Rte 10 is owned and occupied by an individual who bought it in November 2012.

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

Owner of Record	Individual Name on File
Mailing Address	5491 STATE ROUTE 10, COBLESKILL, NY 12043-6204
Occupancy	Owner Occupied
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

Date	Document
Sep 20, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST NEW YORK FCU
Mar 20, 2017	Deed of Trust, Mortgage BANK OF RICHMONDVILLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2012 · Amount on File
Deed Sale	Nov 5, 2012 · Amount on File
Prior Sale	Sep 6, 1996 · Amount on File
Deed Book / Page	943 / 114
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	5491 STATE ROUTE 10, COBLESKILL, NY 12043-6204
Transaction Type	Mortgage
Record Updated	Oct 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002014/153
Date	Sep 20, 2022
Book Page	2014/153
Instrument	817707

Lender

Name	FIRST NEW YORK FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	5491 STATE ROUTE 10, COBLESKILL, NY 12043-6204
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001753/0000000233
Date	Mar 20, 2017
Book Page	0000001753/0000000233
Instrument	000000717348

Lender

Name	BANK OF RICHMONDVILLE

Agreement

Amount	Amount on Record
Term	178 Months
Due	Jan 1, 2032

Tax Assessment & Valuation

The 2026 property tax bill for 5491 State Rte 10 was $5,182, up 11.7% 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	$5,182.00 (+11.71%)
2025	$4,639.00	$92,150 Land $10,900 Building $81,250	$224,756 Land $26,585 Building $198,171
2023		$90,500 Land $10,900 Building $79,600	$181,000 Land $21,800 Building $159,200
2020	$4,468.00

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

Flood

FEMA maps place 5491 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

Wildfire risk around 5491 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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