5697 State Rte 10, Cobleskill, NY 12043 Property Records

Schoharie County and Seward Town property record for 5697 State Rte 10, Cobleskill, NY 12043

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,493 sqft · built 1900
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Last Sale	$183,000 (Jul 2022)
Tax Bill	$4,921 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`434400 54.4-2-8`

Property Details

APN / Parcel Number

Primary APN	`434400 54.4-2-8`
Alternative APNs	`440005400400020080000000` `525J101589`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,493 sqft Living Area
1st Floor Area	1,767 sqft
2nd Floor Area	726 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	151 ft deep x 124 ft wide
Garage Type	Basement

Exterior Amenities

Porch	Slab
Porch Area	124 sqft
Shed	1 Shed
Shed Area	135 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	525J101589
Street Address	5697 STATE ROUTE 10
City	COBLESKILL
State	NY
Zip	12043-6701
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	124.48 X 151.34
Legal Block	2
Legal Lot Number	8.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	SEWARD
Census Block Group	4
Census Block	4019
Census Tract	740400

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	5697 STATE ROUTE 10, COBLESKILL, NY 12043-6701
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage NAVY FCU
Dec 15, 2020	Warranty Deed, Transfer · FHA Mortgage SUNMARK FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2022 · Amount on Record
Deed Sale	Jul 19, 2022 · Amount on Record
Prior Sale	Dec 15, 2020 · Amount on Record
Deed Document Number	2022813733
Deed Book / Page	1170 / 29
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Jul 19, 2022
Property Address	5697 STATE ROUTE 10, COBLESKILL, NY 12043-6701
Document Number	0001170/29
Book / Page	1170 / 29
Instrument Date	Jul 8, 2022
Instrument	813733
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 SHIPPEE RD, CORINTH, NY 12822-2917

Mortgage

Document Number	0000813738
Date	Jul 19, 2022
Instrument	813738

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Dec 15, 2020
Property Address	5697 STATE ROUTE 10, COBLESKILL, NY 12043-6701
Document Number	001127/125
Book / Page	1127 / 125
Instrument Date	Nov 18, 2020
Instrument	782837
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount 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	107 HOLMES ST, RICHMONDVILLE, NY 12149-7701

Mortgage

Document Number	0001909/48
Date	Dec 15, 2020
Book Page	1909/48
Instrument	782838

Lender

Name	SUNMARK FCU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

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	$4,921.00 (+9.72%)
2025	$4,485.00 (+82.54%)	$87,500 (-) Land $6,800 Building $80,700	$213,415 (+21.95%) Land $16,585 Building $196,830
2023		$87,500 Land $6,800 Building $80,700	$175,000 Land $13,600 Building $161,400
2020	$2,457.00

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.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	None beyond ember reach

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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

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

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