Schoharie County and Seward Town property record for 840 Clove Rd, Cobleskill, NY 12043
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1.5 ba · 2,120 sqft · built 1850 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $35,211 (Jan 2015) |
| Tax Bill | $844 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 434400 54.4-2-10 |
| Primary APN | 434400 54.4-2-10 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,120 sqft Living Area |
| 1st Floor Area | 1,096 sqft |
| 2nd Floor Area | 1,024 sqft |
| Year Built | Built 1850 |
|---|---|
| Effective Year Built | Effective 1850 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 116 ft deep x 96.2 ft wide |
| Patio Area | 1,248 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 525J101345 |
|---|---|
| Street Address | 840 CLOVE RD |
| City | COBLESKILL |
| State | NY |
| Zip | 12043-6713 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | R1 96.17 X 116 |
| Legal Block | 2 |
| Legal Lot Number | 10.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | SEWARD |
| Census Block Group | 4 |
| Census Block | 4019 |
| Census Tract | 740400 |
840 Clove Rd is owned and occupied by two individuals who bought it in January 2015.
Source: Schoharie County and Seward Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 840 CLOVE RD, COBLESKILL, NY 12043-6713 |
| 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 | Jan 20, 2015 · Amount on File |
| Deed Sale | Jan 20, 2015 · Amount on File |
| Prior Sale | Jul 1, 2003 · Amount on File |
| Deed Book / Page | 991 / 1 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 840 Clove Rd was $844, up 9.8% 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 | $844.00 (+9.75%) | ||
| 2025 | $769.00 | $15,000 Land $5,800 Building $9,200 | $36,585 Land $14,146 Building $22,439 |
| 2023 | $15,000 Land $5,800 Building $9,200 | $30,000 Land $11,600 Building $18,400 | |
| 2020 | $740.00 |
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.
FEMA maps place 840 Clove Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 840 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
4G LTE (outdoors only), no 5G reported
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