Schoharie County and Cobleskill Town property record for 123 Freeds Rd, Howes Cave, NY 12092
| Property Type | Mobile Home |
|---|---|
| Details | 2 bd · 1.5 ba · 980 sqft · built 1980 |
| Lot Size | 3.47 acres (151,153 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,246 (2026) |
| Deeds & Mortgages | Jan 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 432689 46.-3-3 |
| Primary APN | 432689 46.-3-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 980 sqft Living Area |
| 1st Floor Area | 980 sqft |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Modular |
| Exterior Material | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 151,153 sqft (3.47 acres) |
| Lot Width | 587 ft Width |
| Garage Type | Detached |
| Garage Area | 960 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 96 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 435J189009 |
|---|---|
| Street Address | 123 FREEDS RD |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092-1711 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | RR |
| Legal Description | TRAILER |
| Legal Block | 3 |
| Legal Lot Number | 3.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 740200 |
123 Freeds Rd, a mobile home, is owned and occupied by an individual who acquired it in January 2023.
Source: Schoharie County and Cobleskill Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 123 FREEDS RD, HOWES CAVE, NY 12092-1711 |
| 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 | Name on Deed |
|---|---|
| Last Transfer Date | Jan 10, 2023 |
| Transfer Doc | 001182/164 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Jan 17, 2023 |
| Property Address | 123 FREEDS RD, HOWES CAVE, NY 12092-1711 |
| Document Number | 001182/164 |
| Book / Page | 1182 / 164 |
| Instrument Date | Jan 10, 2023 |
| Instrument | 820199 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 123 FORESTER RD, COBLESKILL, NY 12043 |
The 2026 property tax bill for 123 Freeds Rd was $2,246 with exemptions applied, 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 | $2,246.00 (+6.09%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $2,117.00 | $46,600 Land $17,000 Building $29,600 | $95,102 Land $34,694 Building $60,408 |
| 2023 | $46,600 Land $17,000 Building $29,600 | $81,754 Land $29,824 Building $51,930 | |
| 2020 | $1,445.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 123 Freeds Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1996.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 123 Freeds 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 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| MIDTEL Fiber | 500 / 100 |
5G (outdoors only) and 4G LTE
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