Schoharie County and Schoharie Town property record for 126 River St, Howes Cave, NY 12092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,808 sqft · built 1900 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $3,756 (2026) |
| Deeds & Mortgages | Sep 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 434289 47.4-3-6 |
| Primary APN | 434289 47.4-3-6 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,808 sqft Living Area |
| 1st Floor Area | 1,136 sqft |
| Upper Floors Area | 672 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 87,120 sqft (2 acres) |
| Lot Width | 280 ft Width |
| Porch | Slab |
| Porch Area | 632 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 515J100128 |
|---|---|
| Street Address | 126 RIVER ST |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 3 |
| Legal Lot Number | 6.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | SCHOHARIE |
| Census Block Group | 4 |
| Census Block | 4019 |
| Census Tract | 740100 |
126 River St is owned by a company that acquired it in September 2017 and is owner-occupied.
Source: Schoharie County and Schoharie Town records, as of October 20, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | PO BOX 76, CENTRAL BRIDGE, NY 12035-0076 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Estate |
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 |
|---|---|
| Last Transfer Date | Sep 14, 2017 |
| Transfer Doc | 0000001054/000000022 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Sep 27, 2017 |
| Property Address | 126 RIVER ST, HOWES CAVE, NY 12092 |
| Document Number | 0000001054/0000000225 |
| Book / Page | 0000001054 / 0000000225 |
| Instrument Date | Sep 14, 2017 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Title Company | NOT AVAILABLE, RICHARD MCVINNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 112 CANTERBURY DR, COBLESKILL, NY 12043-5080 |
The 2026 property tax bill for 126 River St was $3,756 with exemptions applied, up 18.6% from the year before.
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 | $3,756.00 (+18.64%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | ||
| 2025 | $3,166.00 | $101,000 Land $20,000 Building $81,000 | $162,903 Land $32,258 Building $130,645 |
| 2023 | $90,000 (-) Land $10,600 Building $79,400 | $135,522 (+15.19%) Land $15,961 Building $119,561 | |
| 2022 | $90,000 Land $10,600 Building $79,400 | $117,647 Land $13,856 Building $103,791 | |
| 2021 | $877.00 (-61.57%) | ||
| 2020 | $2,282.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 126 River St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
Wildfire risk around 126 River St 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CENTRAL BRIDGE WATER DISTRICT serves 560 people · EPA ID NY4700093 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | 1 ppb (2026) action level 15 ppb |
| Copper | 1.6 mg/L (2024) action level 1.3 mg/L |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 48 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 |
5G (outdoors only) and 4G LTE
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