Schoharie County and Seward Town property record for 5908 State Rte 10, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,560 sqft · built 1958 |
| Lot Size | 2.1 acres (91,476 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $125,000 (Nov 2015) |
| Tax Bill | $4,229 (2026) |
| Deeds & Mortgages | Sep 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 434400 54.-1-6 |
| Primary APN | 434400 54.-1-6 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,560 sqft Living Area |
| 1st Floor Area | 1,560 sqft |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 91,476 sqft (2.1 acres) |
| Lot Width | 145 ft Width |
| Garage Type | Mixed |
| Garage Area | 1,114 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 80 sqft |
| Shed | 1 Shed |
| Shed Area | 60 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 525J101658 |
|---|---|
| Street Address | 5908 STATE ROUTE 10 |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-6709 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | R1 |
| Legal Block | 1 |
| Legal Lot Number | 6.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | SEWARD |
| Census Block Group | 4 |
| Census Block | 4054 |
| Census Tract | 740400 |
5908 State Rte 10 is owned and occupied by two individuals who bought it in November 2015.
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 File |
|---|---|
| Mailing Address | 5908 STATE ROUTE 10, COBLESKILL, NY 12043-6709 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 16, 2015 · Amount on File |
| Deed Sale | Nov 16, 2015 · Amount on File |
| Prior Sale | Apr 10, 2015 · Amount on File |
| Deed Book / Page | 1010 / 69 |
| Prior Transfer Date | May 14, 2014 |
| Prior Transfer Doc | 0000000974/000000012 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 5908 STATE ROUTE 10, COBLESKILL, NY 12043-6709 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 002012/209 |
|---|---|
| Date | Sep 9, 2022 |
| Book Page | 2012/209 |
| Instrument | 816446 |
| Name | COMMUNITY RESOURCE FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2037 |
The 2026 property tax bill for 5908 State Rte 10 was $4,229, up 9.7% 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 | $4,229.00 (+9.73%) | ||
| 2025 | $3,854.00 | $75,200 Land $14,100 Building $61,100 | $183,415 Land $34,390 Building $149,025 |
| 2023 | $75,200 Land $14,100 Building $61,100 | $150,400 Land $28,200 Building $122,200 | |
| 2020 | $3,712.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5908 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 risk around 5908 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 | 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 23 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
4G LTE (outdoors only), no 5G reported
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