Schoharie County and Seward Town property record for 738 Lowe Rd, Cobleskill, NY 12043 · Last verified August 2026
| Details | 5 bd · 2.5 ba · 2,312 sqft · built 1900 |
|---|---|
| Lot Size | 21.1 acres (922,601 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $320,000 (Aug 2022) |
| Tax Bill | $6,975 (2025) |
| Deeds & Mortgages | Aug 2022 Refinance Jan 2021 Sale & Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 434400 41.-4-19.2 |
| Primary APN | 434400 41.-4-19.2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,312 sqft Living Area |
| 1st Floor Area | 1,256 sqft |
| 2nd Floor Area | 1,056 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 922,601 sqft (21.1 acres) |
| Lot Width | 1,060 ft Width |
| Porch | Slab |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 525J197016 |
|---|---|
| Street Address | 738 LOWE RD |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-6625 |
| Property Category | Other |
| Property Type | Unknown |
| Legal Block | 4 |
| Legal Lot Number | 19.002 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | SEWARD |
| Census Block Group | 4 |
| Census Block | 4030 |
| Census Tract | 740400 |
Source: Schoharie County and Seward Town records · APN 434400 41.-4-19.2
Assessment roll updated May 14, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 738 LOWE RD, COBLESKILL, NY 12043-6625 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 24, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance HOMESTEAD FUNDING CORP |
| Jan 15, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 24, 2022 · Amount on Record |
| Deed Sale | Aug 24, 2022 · Amount on Record |
| Prior Sale | Jan 15, 2021 · Amount on Record |
| Deed Document Number | 2022815903 |
| Deed Book / Page | 1172 / 242 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 738 LOWE RD, COBLESKILL, NY 12043-6625 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2024 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0002011/56 |
|---|---|
| Date | Aug 24, 2022 |
| Book Page | 2011/56 |
| Instrument | 815904 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Jan 15, 2021 |
| Property Address | 738 LOWE RD, COBLESKILL, NY 12043-6625 |
| Document Number | 001129/221 |
| Book / Page | 1129 / 221 |
| Instrument Date | Dec 22, 2020 |
| Instrument | 783772 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 232 COUNTY HIGHWAY 1, BAINBRIDGE, NY 13733-3400 |
| Document Number | 0000783773 |
|---|---|
| Date | Jan 15, 2021 |
| Instrument | 783773 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2051 |
Source: Schoharie County and Seward Town records · Assessment roll updated May 14, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Seward Town |
| Unified School District | Cobleskill-Richmondville Central School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,975.00 (+25.7%) | $136,100 (-) Land $25,200 Building $110,900 | $331,951 (+21.95%) Land $61,463 Building $270,488 |
| 2023 | $136,100 Land $25,200 Building $110,900 | $272,200 Land $50,400 Building $221,800 | |
| 2020 | $5,549.00 |
Source: FEMA National Flood Hazard Layer, Schoharie County (36095C), updated February 16, 2012 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone A |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Wildfire Risk | Low above 20% of the US · above 55% of New York |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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