Schoharie County and Cobleskill Town property record for 106 Howes Cave Rd, Howes Cave, NY 12092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 2,464 sqft · built 2004 |
| Lot Size | 4.3 acres (187,308 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $170,000 (Jan 2017) |
| Tax Bill | $6,642 (2026) |
| Deeds & Mortgages | Jan 2017 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 432689 58.-3-5 |
| Primary APN | 432689 58.-3-5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,464 sqft Living Area |
| 1st Floor Area | 1,232 sqft |
| 2nd Floor Area | 1,232 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 187,308 sqft (4.3 acres) |
| Lot Width | 400 ft Width |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 435J100302 |
|---|---|
| Street Address | 106 HOWES CAVE RD |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092-1800 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | VAC LAND |
| Legal Block | 3 |
| Legal Lot Number | 5.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 740200 |
Source: Schoharie County and Cobleskill Town records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 106 HOWES CAVE RD, HOWES CAVE, NY 12092-1800 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 13, 2017 · Amount on Record |
| Deed Sale | Jan 13, 2017 · Amount on Record |
| Prior Sale | Sep 6, 2016 · Amount on Record |
| Deed Book / Page | 1037 / 150 |
| Prior Transfer Date | Jun 12, 1998 |
| Prior Transfer Doc | 0635000086 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Jan 13, 2017 |
| Property Address | 106 HOWES CAVE RD, HOWES CAVE, NY 12092-1800 |
| Document Number | 0000001037/0000000150 |
| Book / Page | 0000001037 / 0000000150 |
| Instrument Date | Nov 9, 2016 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2023 |
| Title Company | NOT AVAILABLE, MARVIN, JR. PARSHALL, ESQ. |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 106 HOWES CAVE RD, HOWES CAVE, NY 12092-1800 |
| Document Number | 0000001747/0000000291 |
|---|---|
| Date | Jan 13, 2017 |
| Book Page | 0000001747/0000000291 |
| Instrument | 000000710741 |
| Name | E MORTGAGE MGMT LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2047 |
Source: Schoharie County and Cobleskill Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Cobleskill Town |
| Unified School District | Cobleskill-Richmondville Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,642.00 (+6.09%) | ||
| 2025 | $6,261.00 | $137,800 (-) Land $12,800 Building $125,000 | $281,224 (+16.33%) Land $26,122 Building $255,102 |
| 2023 | $137,800 (-) Land $12,800 Building $125,000 | $241,754 (+12.28%) Land $22,456 Building $219,298 | |
| 2022 | $137,800 Land $12,800 Building $125,000 | $215,313 Land $20,000 Building $195,313 | |
| 2020 | $6,094.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective February 16, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 6 (1996–2011) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Sep 2011 · Remnants Of Tropical Storm Lee |
| Claims by Event |
|
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.
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 | Direct burnable vegetation |
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 |
| MIDTEL Fiber | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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