Schoharie County and Seward Town property record for 5660 State Rte 145, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,560 sqft · built 1990 |
| Lot Size | 5.01 acres (218,236 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $352,000 (Nov 2025) |
| Tax Bill | $6,155 (2026) |
| Deeds & Mortgages | Nov 2025 Sale Jan 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 434400 33.-5-2 |
| Primary APN | 434400 33.-5-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,560 sqft Living Area |
| 1st Floor Area | 1,560 sqft |
| Basement Area | 1,560 sqft |
| Finished Basement | 1,560 sqft |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Concrete |
| Foundation Type | Pier/Post & Beam |
| Lot Area | 218,236 sqft (5.01 acres) |
| Lot Width | 246 ft Width |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 525J186012 |
|---|---|
| Street Address | 5660 STATE ROUTE 145 |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-7607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OS |
| Legal Block | 5 |
| Legal Lot Number | 2.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | SEWARD |
| Census Block Group | 3 |
| Census Block | 3060 |
| Census Tract | 740400 |
5660 State Rte 145 is owned and occupied by two individuals who bought it in November 2025.
Source: Schoharie County and Seward Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5660 STATE ROUTE 145, COBLESKILL, NY 12043-7607 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Nov 26, 2025 | Warranty Deed, Transfer |
| Jan 17, 2024 | Deed of Trust, Mortgage · FHA Mortgage PLAZA HOME MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 26, 2025 · Amount on File |
| Deed Sale | Nov 26, 2025 · Amount on File |
| Prior Sale | Jul 31, 2012 · Amount on File |
| Deed Document Number | 2025830596 |
| Deed Book / Page | 1246 / 132 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Nov 26, 2025 |
| Property Address | 5660 STATE ROUTE 145, COBLESKILL, NY 12043-7607 |
| Document Number | 001246/132 |
| Book / Page | 1246 / 132 |
| Instrument Date | Nov 18, 2025 |
| Instrument | 830596 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | PO BOX 97, COBLESKILL, NY 12043-0097 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 5660 STATE ROUTE 145, COBLESKILL, NY 12043-7607 |
| Transaction Type | Mortgage |
| Record Updated | Feb 6, 2024 |
| Name | Verified Name |
|---|
| Document Number | 002065/226 |
|---|---|
| Date | Jan 17, 2024 |
| Book Page | 2065/226 |
| Instrument | 823997 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
The 2026 property tax bill for 5660 State Rte 145 was $6,155, up 9.8% 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 | $6,155.00 (+9.77%) | ||
| 2025 | $5,607.00 | $109,400 Land $20,400 Building $89,000 | $266,829 Land $49,756 Building $217,073 |
| 2023 | $109,400 Land $20,400 Building $89,000 | $218,800 Land $40,800 Building $178,000 | |
| 2020 | $8,971.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 5660 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 |
|
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 5660 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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