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Schoharie County
Schoharie County
Schoharie County is in the rural foothills of the Catskills southwest of Albany, anchored by Schoharie (county seat) and Cobleskill (largest village). The economy mixes SUNY Cobleskill (agriculture and animal sciences), Howe Caverns and Iroquois Indian Museum tourism, dairy farming, and the NYC water-supply infrastructure (Schoharie Reservoir / Gilboa Dam). The County Clerk operates from 284 Main Street.
Property in Schoharie
What every owner, heir, and investor should know.
Owning a home in Schoharie.
Schoharie is a low-cost rural Catskills-foothills market.
- STAR / Enhanced STAR, senior, veteran, and agricultural exemptions apply.
- Property tax cycle: school bills September; county/town bills January.
- Tax-foreclosure redemption under RPTL Article 11 (two-year window).
- Foreclosure surplus rights under RPAPL § 1361.
- Watch for Schoharie Creek / Hurricane Irene flood zones, NYC DEP watershed, and agricultural-district restrictions.
Investing in Schoharie.
Schoharie offers very low entry prices, dairy and farm land, and Catskills-adjacent tourism upside.
- Tax-foreclosure auctions run by the County Treasurer (annual).
- Judicial foreclosure auctions held at the Schoharie County Courthouse.
- Land records search via Schoharie County Clerk records.
- Real Property parcel lookup at schohariecounty-ny.gov.
- NYSCEF case search for lis pendens.
- Watch for Schoharie Creek flood zones, NYC watershed septic restrictions, and agricultural assessments.
After a Schoharie foreclosure or tax deed sale.
Schoharie uses New York's judicial foreclosure process and runs in rem tax foreclosure under RPTL Article 11.
- Mortgage foreclosures filed in Supreme Court, 3rd Judicial District.
- Judgment of Foreclosure and Sale executed by court-appointed Referee.
- Surplus money proceedings under RPAPL § 1361.
- County Treasurer holds annual tax-foreclosure auction.
- Post-Tyler v. Hennepin reforms require return of tax-foreclosure surplus to former owner.
- Notices published in the Times-Journal (Cobleskill) and Mountain Eagle.
Courts and records in Schoharie.
- Schoharie County Courthouse — 290 Main Street, Schoharie, NY 12157 — 3rd Judicial District
- Supreme Court & County Court — Schoharie County Courthouse
- Family Court — 290 Main Street, Schoharie
- Surrogate's Court — 290 Main Street, Schoharie
- 3rd Judicial District (Albany, Columbia, Greene, Rensselaer, Schoharie, Sullivan, Ulster)
- Appellate Division, 3rd Department — Justice Building, Empire State Plaza, Albany
- County Clerk — 284 Main Street — (518) 295-8316 — schohariecounty-ny.gov
- Real Property Tax Service — 284 Main Street — (518) 295-8358
- County Treasurer — 284 Main Street — (518) 295-8327
- Sheriff — 157 Depot Lane, Schoharie — (518) 295-7240