5599 State Rte 10, Cobleskill, NY 12043 Property Records

Schoharie County and Seward Town property record for 5599 State Rte 10, Cobleskill, NY 12043

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,560 sqft · built 2022
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,445 (2026)
Deeds & Mortgages	Apr 2021 Refinance Nov 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`434400 54.-3-15`

Property Details

APN / Parcel Number

Primary APN	`434400 54.-3-15`
Alternative APNs	`440005400000030150000000` `525J187025`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,560 sqft Living Area
1st Floor Area	1,560 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	217,800 sqft (5 acres)
Lot Width	275 ft Width
Garage Type	Detached
Garage Area	672 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	525J187025
Street Address	5599 STATE ROUTE 10
City	COBLESKILL
State	NY
Zip	12043-6207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Block	3
Legal Lot Number	15.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	SEWARD
Census Block Group	4
Census Block	4050
Census Tract	740400

Owner

Source: Schoharie County and Seward 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	2 Individual Names on Record
Mailing Address	327 BERRY LN, COBLESKILL, NY 12043-7231
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance AMERICU CU
Nov 6, 2020	Deed, Transfer

Assessor's Deed Record

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

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	5599 STATE ROUTE 10, COBLESKILL, NY 12043-6207
Transaction Type	Mortgage
Record Updated	Mar 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001928/187
Date	Apr 8, 2021
Book Page	1928/187
Instrument	786406

Lender

Name	AMERICU CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Nov 6, 2020
Property Address	5599 STATE ROUTE 10, COBLESKILL, NY 12043-6207
Document Number	001123/280
Book / Page	1123 / 280
Instrument Date	Nov 2, 2020
Instrument	781741
Transaction Type	Transfer
Record Updated	Mar 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	327 BERRY LN, COBLESKILL, NY 12043-7231

Tax Assessment & Valuation

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	$6,445.00 (+9.72%)
2025	$5,874.00 (+648.28%)	$114,600 (-) Land $15,900 Building $98,700	$279,512 (+21.95%) Land $38,780 Building $240,732
2023		$114,600 Land $15,900 Building $98,700	$229,200 Land $31,800 Building $197,400
2020	$785.00

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

Flood

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

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	Direct burnable vegetation

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

4G LTE (outdoors only), no 5G reported

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