638 E Main St, Cobleskill, NY 12043 Property Records

Schoharie County and Cobleskill Town property record for 638 E Main St, Cobleskill, NY 12043 · Last verified May 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2 Baths
Architecture Style	Traditional
Year Built	Built 1890
Square Footage	2,695 sqft Living Area
Lot Size	13,068 sqft (0.3 acres)
Occupancy	Owner Occupied
Tax Bill	$5,255.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`432601 68.6-3-11`
Alternative APNs	`260106800600030110000000` `431C176010`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,695 sqft Living Area
1st Floor	1,400 sqft 1st Floor
2nd Floor	1,295 sqft 2nd Floor
Stories	2 Stories

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Traditional Style
Exterior Material	Aluminum/Vinyl Exterior
Lot Area	13,068 sqft (0.3 acres)
Depth X Width	95 ft x 60 ft Depth x Width
Porch Area	325 sqft Porch

Utilities and HVAC

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

Location & Zoning

Account Number	431C176010
Street Address	638 E MAIN ST
City	COBLESKILL
State	NY
Zip	12043-3820
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	HSE/GAR
Legal Block	3
Legal Lot Number	11.000
Jurisdiction	SCHOHARIE NY
Minor Civil Division	COBLESKILL
Census Blockgroup	5
Census Block	5006
Census Tract	740200

Owner

Source: Schoharie County and Cobleskill Town records · APN 432601 68.6-3-11

Assessment roll updated May 14, 2026 · Last verified May 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	638 E MAIN ST, COBLESKILL, NY 12043-3820
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Refreshed	Jun 08, 2026

Tax Assessment & Valuation

Source: Schoharie County and Cobleskill Town records · Assessment roll updated May 14, 2026 · Last verified May 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,255.00 (+6.61%)	$90,100 (-) Land $10,100 Building $80,000	$183,878 (+16.33%) Land $20,612 Building $163,266
2023		$90,100 Land $10,100 Building $80,000	$158,070 Land $17,719 Building $140,351
2020	$4,929.00

Flood & Wildfire

638 E Main St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.

Flood

Source: FEMA National Flood Hazard Layer · Schoharie County (36095C), updated February 16, 2012

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach of burnable land

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

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

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.