Schoharie County and Schoharie Town property record for 115 Sidney Ln, Howes Cave, NY 12092
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 628 sqft · built 1976 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $71,997 (Nov 2020) |
| Tax Bill | $1,668 (2026) |
| Deeds & Mortgages | Nov 2020 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 434289 47.-5-14 |
| Primary APN | 434289 47.-5-14 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 628 sqft Living Area |
| 1st Floor Area | 628 sqft |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Ranch |
| Exterior Material | Composition/Composite |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 21,780 sqft (0.5 acres) |
| Lot Dimensions | 170 ft deep x 130 ft wide |
| Garage Type | Attached |
| Garage Area | 2,684 sqft |
| Parking Spaces | 9 Parking Spaces |
| Porch | Porch |
| Porch Area | 48 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 515J184007 |
|---|---|
| Street Address | 115 SIDNEY LN |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092-2817 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Block | 5 |
| Legal Lot Number | 14.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | SCHOHARIE |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 740100 |
Source: Schoharie County and Schoharie 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 | PO BOX 154, SCHOHARIE, NY 12157-0154 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 6, 2020 · Amount on Record |
| Deed Sale | Nov 6, 2020 · Amount on Record |
| Deed Document Number | 2020781746 |
| Deed Book / Page | 1123 / 292 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Nov 6, 2020 |
| Property Address | 115 SIDNEY LN, HOWES CAVE, NY 12092-2817 |
| Document Number | 001123/292 |
| Book / Page | 1123 / 292 |
| Instrument Date | Oct 30, 2020 |
| Instrument | 781746 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| 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 | PO BOX 154, SCHOHARIE, NY 12157-0154 |
| Document Number | 0000781747 |
|---|---|
| Date | Nov 6, 2020 |
| Instrument | 781747 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
Source: Schoharie County and Schoharie Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Schoharie Town |
| Unified School District | Schoharie Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,668.00 (+4.25%) | ||
| 2025 | $1,600.00 (+128.25%) | $40,000 (-) Land $15,000 Building $25,000 | $64,516 (+7.11%) Land $24,193 Building $40,323 |
| 2023 | $40,000 (-) Land $10,600 Building $29,400 | $60,232 (+15.19%) Land $15,961 Building $44,271 | |
| 2022 | $40,000 Land $10,600 Building $29,400 | $52,288 Land $13,856 Building $38,432 | |
| 2021 | $701.00 (-79.71%) | ||
| 2020 | $3,455.00 |
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 X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 20 (1987–2011) |
| Claims Outside the SFHA | 4 of 20 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| 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 | 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 62 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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