637 E Main St, Cobleskill, NY 12043 Property Records

Schoharie County and Cobleskill Town property record for 637 E Main St, Cobleskill, NY 12043

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,336 sqft · built 1916
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$108,047 (Jun 2018)
Tax Bill	$5,092 (2025)
Deeds & Mortgages	Jun 2018 Mortgage Jun 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`432601 56.18-7-13`

Property Details

APN / Parcel Number

Primary APN	`432601 56.18-7-13`
Alternative APNs	`260105601800070130000000` `431A101337`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,336 sqft Living Area
1st Floor Area	688 sqft
2nd Floor Area	648 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	240 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	431A101337
Street Address	637 E MAIN ST
City	COBLESKILL
State	NY
Zip	12043-3823
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	HOUSE GAAE
Legal Block	7
Legal Lot Number	13.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	COBLESKILL
Census Block Group	5
Census Block	5019
Census Tract	740200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Cobleskill Historic District listed 1978 · 188 contributing resources · NRIS 78001910

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Schoharie County and Cobleskill Town records, 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 Record
Mailing Address	637 E MAIN ST, COBLESKILL, NY 12043-3823
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2018	Deed of Trust, Mortgage HOMESTEAD FUNDING CORP
Jun 18, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2018 · Amount on Record
Deed Sale	Jun 18, 2018 · Amount on Record
Deed Document Number	2018742428
Deed Book / Page	1071 / 152
Record Updated	Jun 8, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	637 E MAIN ST, COBLESKILL, NY 12043-3823
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001806/0000000168
Date	Jun 18, 2018
Book Page	0000001806/0000000168
Instrument	000000742430

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2048

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Jun 18, 2018
Property Address	637 E MAIN ST, COBLESKILL, NY 12043-3823
Document Number	001071/152
Book / Page	1071 / 152
Instrument Date	Jun 7, 2018
Instrument	000000742428
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Amount	Amount Recorded
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	728 BERMUDA RD, BABYLON, NY 11704-7418

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	$5,092.00 (-0.37%)	$87,300 (-) Land $7,700 Building $79,600	$178,163 (+16.33%) Land $15,714 Building $162,449
2023		$87,300 Land $7,700 Building $79,600	$153,158 Land $13,509 Building $139,649
2020	$5,111.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	19 (2011–2013)
Most Recent Claim	Jun 2013 · other causes
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 7 claims Hurricane Irene, Aug 2011 · 11 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

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 Fixed Wireless	100 / 20

May also be available: MIDTEL.

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