Schoharie County and Cobleskill Town property record for 122 Howes Cave Rd, Howes Cave, NY 12092
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 2,032 sqft · built 1880 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,673 (2026) |
| Flood Zone | Zone AE (high risk) |
| APN | 432689 58.-3-6 |
| Primary APN | 432689 58.-3-6 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 2,032 sqft Living Area |
| 1st Floor Area | 1,132 sqft |
| Upper Floors Area | 900 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 43,560 sqft (1 acres) |
| Lot Width | 300 ft Width |
| Garage Type | Mixed |
| Garage Area | 1,164 sqft |
| Parking Spaces | 5 Parking Spaces |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 435J100301 |
|---|---|
| Street Address | 122 HOWES CAVE RD |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092-1800 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B2 |
| Legal Description | HSE GAR ATT |
| Legal Block | 3 |
| Legal Lot Number | 6.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 740200 |
122 Howes Cave Rd is owned and occupied by two individuals.
Source: Schoharie County and Cobleskill Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 122 HOWES CAVE RD, HOWES CAVE, NY 12092-1800 |
| 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 |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 122 Howes Cave Rd was $3,673, up 6.1% from the year before.
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 | $3,673.00 (+6.09%) | ||
| 2025 | $3,462.00 | $76,200 Land $11,100 Building $65,100 | $155,510 Land $22,653 Building $132,857 |
| 2023 | $76,200 Land $11,100 Building $65,100 | $133,684 Land $19,474 Building $114,210 | |
| 2020 | $3,370.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 122 Howes Cave Rd in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.
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 | Yes |
| 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.
Wildfire risk around 122 Howes Cave 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 | 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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