573 Main St, Cobleskill, NY 12043 Property Records

Schoharie County and Cobleskill Town property record for 573 Main St, Cobleskill, NY 12043

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	2,540 sqft · built 1920
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$92,000 (May 2005)
Tax Bill	$5,215 (2025)
Deeds & Mortgages	Nov 2024 Refinance Mar 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`432601 56.17-8-23`

Property Details

APN / Parcel Number

Primary APN	`432601 56.17-8-23`
Alternative APNs	`260105601700080230000000` `431A101004`

Interior

Units	4 Units
Stories	4 Stories
Building Area	2,540 sqft Gross Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	110 ft deep x 15 ft wide

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	431A101004
Street Address	573 MAIN ST
City	COBLESKILL
State	NY
Zip	12043-4119
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	CB
Legal Description	4 STORY BLDG
Legal Block	8
Legal Lot Number	23.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	COBLESKILL
Census Block Group	4
Census Block	4017
Census Tract	740200

Owner

Source: Schoharie County and Cobleskill Town assessment roll, as of May 14, 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 File
Mailing Address	573 MAIN ST, COBLESKILL, NY 12043-4119
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance BALLSTON SPA NATIONAL BANK
Mar 10, 2026	Deed of Trust, Mortgage WINTRUST MORTGAGE
Nov 16, 2006	Deed of Trust, Mortgage · Commercial Mortgage BANK OF AMERICA FSB
Dec 8, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage BALLSTON SPA NATIONAL BANK
May 10, 2005	Deed, Transfer · Commercial Mortgage BANK OF AMERICA FSB

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 10, 2005 · Amount on Record
Deed Sale	May 10, 2005 · Amount on Record
Prior Sale	Nov 1, 2002 · Amount on Record
Deed Book / Page	785 / 243
Record Updated	Sep 20, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	573 MAIN ST, COBLESKILL, NY 12043-4119
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002097/131
Date	Nov 18, 2024
Book Page	2097/131
Instrument	826988

Lender

Name	BALLSTON SPA NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	573 MAIN ST, COBLESKILL, NY 12043-4119
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002145/246
Date	Mar 10, 2026
Book Page	2145/246
Instrument	831616

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

November 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	573 MAIN ST, COBLESKILL, NY 12043-4119
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001208/0000000015
Date	Nov 16, 2006
Book Page	0000001208/0000000015
Instrument	0000462619

Lender

Name	BANK OF AMERICA FSB
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	218 Months
Due	Jan 1, 2025

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Dec 8, 2023
Property Address	573 MAIN ST, COBLESKILL, NY 12043-4119
Document Number	0001203/25
Book / Page	1203 / 25
Instrument Date	Nov 25, 2023
Instrument	823623
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	111 BEARD RD, DELANSON, NY 12053-5827

Mortgage

Document Number	0000823625
Date	Dec 8, 2023
Instrument	823625

Lender

Name	BALLSTON SPA NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

May 2005: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHOHARIE NY
Recording Date	May 10, 2005
Property Address	573 MAIN ST, COBLESKILL, NY 12043-4119
Document Number	0000000785/0000000243
Book / Page	0000000785 / 0000000243
Instrument Date	Apr 28, 2005
Transaction Type	Transfer
Record Updated	May 12, 2022
Title Company	NONE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	3648 S CENTINELA AVE APT 6, 6, LOS ANGELES, CA 90066-3145

Mortgage

Document Number	0000001090/0000000122
Date	May 10, 2005
Book Page	0000001090/0000000122
Instrument	0000440272

Lender

Name	BANK OF AMERICA FSB
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	272 Months
Due	Jan 1, 2028

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Schoharie County
County Subdivision	Cobleskill Town
Municipality	Cobleskill Village
Unified School District	Cobleskill-Richmondville Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,215.00 (-19.68%)	$89,400 (-) Land $7,400 Building $82,000	$182,449 (+16.33%) Land $15,102 Building $167,347
2023		$89,400 Land $7,400 Building $82,000	$156,842 Land $12,982 Building $143,860
2020	$6,493.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	2 (2011)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee
Claims by Event	Remnants Of Tropical Storm Lee, Sep 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

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	COBLESKILL VILLAGE serves 4,678 people · EPA ID NY4700094
Water Source	Surface water
Last State Inspection	Oct 2023
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Aug 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 362 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: The Middleburgh Telephone Company.

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