5940 State Rte 10, Cobleskill, NY 12043 Property Records

Schoharie County and Seward Town property record for 5940 State Rte 10, Cobleskill, NY 12043

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,593 sqft · built 1890
Lot Size	0.75 acres (32,670 sqft)
Owner	2 Individual Names on File
Last Sale	$15,000 (May 1999)
Tax Bill	$4,077 (2026)
Deeds & Mortgages	Mar 2007 Mortgage May 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`434400 42.-3-19`

Property Details

APN / Parcel Number

Primary APN	`434400 42.-3-19`
Alternative APNs	`440004200000030190000000` `525J101311`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,593 sqft Living Area
1st Floor Area	1,062 sqft
Upper Floors Area	531 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	32,670 sqft (0.75 acres)
Lot Dimensions	175 ft deep x 185 ft wide
Porch	Porch
Porch Area	430 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	525J101311
Street Address	5940 STATE ROUTE 10
City	COBLESKILL
State	NY
Zip	12043-6328
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	R1
Legal Block	3
Legal Lot Number	19.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	SEWARD
Census Block Group	4
Census Block	4000
Census Tract	740400

Owner

5940 State Rte 10 is owned and occupied by two individuals who acquired it in February 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	5940 STATE ROUTE 10, COBLESKILL, NY 12043-6328
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2007	Deed of Trust, Mortgage JPMORGAN CHASE BANK NA
May 20, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage HOMESTEAD FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 1999 · Amount on File
Deed Sale	May 26, 1999 · Amount on File
Deed Book / Page	653 / 231
Last Transfer Date	Feb 9, 2015
Transfer Doc	0000000992/000000000
Record Updated	Oct 29, 2026

March 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	5940 STATE ROUTE 10, COBLESKILL, NY 12043-6328
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001234/0000000169
Date	Mar 30, 2007
Book Page	0000001234/0000000169
Instrument	0000468121

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Amount	Amount on Record
Term	118 Months
Due	Jan 1, 2017

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	May 20, 2024
Property Address	5940 STATE ROUTE 10, COBLESKILL, NY 12043-6328
Document Number	001212/110
Book / Page	1212 / 110
Instrument Date	May 16, 2024
Instrument	825189
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
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
Address	7 SUNSET LN, EAST BERNE, NY 12059-1820

Mortgage

Document Number	0000825190
Date	May 20, 2024
Instrument	825190

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2054

Tax Assessment & Valuation

The 2026 property tax bill for 5940 State Rte 10 was $4,077, up 9.7% from the year before.

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	$4,077.00 (+9.71%)
2025	$3,716.00	$72,500 Land $8,500 Building $64,000	$176,829 Land $20,732 Building $156,097
2023		$72,500 Land $8,500 Building $64,000	$145,000 Land $17,000 Building $128,000
2020	$3,579.00

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

Flood

FEMA maps place 5940 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

Wildfire risk around 5940 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 23 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

Nearby Properties on State Rte 10

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