6054 State Rte 10, Cobleskill, NY 12043 Property Records

Schoharie County and Seward Town property record for 6054 State Rte 10, Cobleskill, NY 12043

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,640 sqft · built 1870
Lot Size	1.1 acres (47,916 sqft)
Owner	2 Individual Names on File
Last Sale	$95,000 (Jul 2010)
Tax Bill	$3,145 (2026)
Deeds & Mortgages	Nov 2021 Refinance Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`434400 42.-3-28`

Property Details

APN / Parcel Number

Primary APN	`434400 42.-3-28`
Alternative APNs	`440004200000030280000000` `525J101243`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,640 sqft Living Area
1st Floor Area	1,112 sqft
Upper Floors Area	528 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	47,916 sqft (1.1 acres)
Lot Width	196 ft Width
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	408 sqft
Canopy	342 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	525J101243
Street Address	6054 STATE ROUTE 10
City	COBLESKILL
State	NY
Zip	12043-6605
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	F
Legal Block	3
Legal Lot Number	28.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	SEWARD
Census Block Group	4
Census Block	4000
Census Tract	740400

Owner

6054 State Rte 10 is owned and occupied by two individuals who bought it in July 2010.

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

Owner of Record	2 Individual Names on File
Mailing Address	6054 STATE ROUTE 10, COBLESKILL, NY 12043-6605
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
Nov 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CAPITAL COMMUNICATIONS FCU
Mar 22, 2017	Deed of Trust, Mortgage CAPITAL COMMUNICATIONS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2010 · Amount on File
Deed Sale	Jul 28, 2010 · Amount on File
Deed Book / Page	902 / 236
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	6054 STATE ROUTE 10, COBLESKILL, NY 12043-6605
Transaction Type	Mortgage
Record Updated	Nov 30, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1962/259
Date	Nov 8, 2021
Book Page	1962/259
Instrument	798162

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2041

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	6054 STATE ROUTE 10, COBLESKILL, NY 12043-6605
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001754/0000000001
Date	Mar 22, 2017
Book Page	0000001754/0000000001
Instrument	000000717451

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	178 Months
Due	Jan 1, 2032

Tax Assessment & Valuation

The 2026 property tax bill for 6054 State Rte 10 was $3,145 with a homeowner's exemption, up 9.8% 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	$3,145.00 (+9.77%) Homeowner's exemption
2025	$2,865.00	$55,900 Land $10,300 Building $45,600	$136,341 Land $25,122 Building $111,219
2023		$55,900 Land $10,300 Building $45,600	$111,800 Land $20,600 Building $91,200
2020	$2,179.00

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

Flood

FEMA maps place 6054 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 6054 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Starlink Satellite	280 / 30

Cell Coverage

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

Nearby Properties on State Rte 10

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