Schoharie County and Seward Town property record for 647 Clove Rd, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,925 sqft · built 1890 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $59,000 (Nov 1996) |
| Tax Bill | $3,965 (2026) |
| Deeds & Mortgages | Nov 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 434400 54.-3-32 |
| Primary APN | 434400 54.-3-32 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,925 sqft Living Area |
| 1st Floor Area | 1,550 sqft |
| Upper Floors Area | 375 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 87,120 sqft (2 acres) |
| Lot Width | 198 ft Width |
| Garage Type | Detached |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 522 sqft |
| Heating System | Hot Water |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Account Number | 525J101079 |
|---|---|
| Street Address | 647 CLOVE RD |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-6812 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | R 1 |
| Legal Block | 3 |
| Legal Lot Number | 32.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | SEWARD |
| Census Block Group | 4 |
| Census Block | 4038 |
| Census Tract | 740400 |
647 Clove Rd is owned by a company that acquired it in November 2018 and is owner-occupied.
Source: Schoharie County and Seward Town records, as of October 20, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 647 CLOVE RD, COBLESKILL, NY 12043-6812 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 7, 1996 · Amount on File |
| Deed Sale | Nov 7, 1996 · Amount on File |
| Deed Book / Page | 605 / 165 |
| Last Transfer Date | Nov 1, 2018 |
| Transfer Doc | 001080/276 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Nov 13, 2018 |
| Property Address | 647 CLOVE RD, COBLESKILL, NY 12043-6812 |
| Document Number | 001080/276 |
| Book / Page | 1080 / 276 |
| Instrument Date | Nov 1, 2018 |
| Instrument | 000000753161 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 652 WASHINGTON ST, HOLLISTON, MA 01746-2146 |
The 2026 property tax bill for 647 Clove Rd was $3,965 with exemptions applied, 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 | $3,965.00 (+9.71%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $3,614.00 | $70,500 Land $12,900 Building $57,600 | $171,951 Land $31,463 Building $140,488 |
| 2023 | $70,500 Land $12,900 Building $57,600 | $141,000 Land $25,800 Building $115,200 | |
| 2020 | $2,284.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 647 Clove Rd 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 647 Clove Rd 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.
Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
4G LTE (outdoors only), no 5G reported
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