Schoharie County and Seward Town property record for 651 Clove Rd, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 2 ba · 1,600 sqft · built 1900 |
| Lot Size | 2.12 acres (92,347 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $150,500 (Oct 2020) |
| Tax Bill | $4,330 (2026) |
| Deeds & Mortgages | Oct 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 434400 54.-3-31 |
| Primary APN | 434400 54.-3-31 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,600 sqft Living Area |
| 1st Floor Area | 800 sqft |
| 2nd Floor Area | 800 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 92,347 sqft (2.12 acres) |
| Lot Dimensions | 150 ft deep x 219 ft wide |
| Porch | Slab |
| Porch Area | 231 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 525J101580 |
|---|---|
| Street Address | 651 CLOVE RD |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-6812 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | R1 |
| Legal Block | 3 |
| Legal Lot Number | 31.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | SEWARD |
| Census Block Group | 4 |
| Census Block | 4038 |
| Census Tract | 740400 |
651 Clove Rd is owned and occupied by two individuals who bought it in October 2020.
Source: Schoharie County and Seward Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 651 CLOVE RD, COBLESKILL, NY 12043-6812 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 23, 2020 · Amount on File |
| Deed Sale | Oct 23, 2020 · Amount on File |
| Prior Sale | Jun 1, 2012 · Amount on File |
| Deed Document Number | 2020781355 |
| Deed Book / Page | 1122 / 294 |
| Prior Transfer Date | Aug 30, 2016 |
| Prior Transfer Doc | 0000001028/000000018 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Oct 23, 2020 |
| Property Address | 651 CLOVE RD, COBLESKILL, NY 12043-6812 |
| Document Number | 001122/294 |
| Book / Page | 1122 / 294 |
| Instrument Date | Oct 16, 2020 |
| Instrument | 781355 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 503 W MAIN ST, COBLESKILL, NY 12043-4669 |
The 2026 property tax bill for 651 Clove Rd was $4,330, 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 | $4,330.00 (+9.7%) | ||
| 2025 | $3,947.00 | $77,000 Land $10,500 Building $66,500 | $187,805 Land $25,610 Building $162,195 |
| 2023 | $77,000 Land $10,500 Building $66,500 | $154,000 Land $21,000 Building $133,000 | |
| 2020 | $3,211.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 651 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 651 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
Search by:
By searching, you agree to: Terms • Privacy • Disclosures