134 Centre Ln, Howes Cave, NY 12092 Property Records

Schoharie County and Schoharie Town property record for 134 Centre Ln, Howes Cave, NY 12092

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,823 sqft · built 1990
Lot Size	2.01 acres (87,556 sqft)
Owner	Individual Name on Record
Last Sale	$128,000 (Jan 2022)
Tax Bill	$6,385 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`434289 47.-5-7.12`

Property Details

APN / Parcel Number

Primary APN	`434289 47.-5-7.12`
Alternative APNs	`428904700000050070120000` `515J202001`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,823 sqft Living Area
1st Floor Area	1,215 sqft
Upper Floors Area	608 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Rustic
Exterior Material	Wood
Lot Area	87,556 sqft (2.01 acres)
Lot Width	378 ft Width
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	372 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	515J202001
Street Address	134 CENTRE LN
City	HOWES CAVE
State	NY
Zip	12092
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Block	5
Legal Lot Number	7.012
Jurisdiction	SCHOHARIE NY
Township / Civil Division	SCHOHARIE
Census Block Group	4
Census Block	4027
Census Tract	740100

Owner

Source: Schoharie County and Schoharie Town records, as of May 14, 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	134 CENTRE LN, SCHOHARIE, NY 12157-5208
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2022	Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK NA
Jan 18, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage COMMUNITY BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2022 · Amount on Record
Deed Sale	Jan 18, 2022 · Amount on Record
Prior Sale	Oct 30, 2015 · Amount on Record
Deed Document Number	2022802575
Deed Book / Page	1155 / 149
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	134 CENTRE LN, HOWES CAVE, NY 12092
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002005/246
Date	Jul 25, 2022
Book Page	2005/246
Instrument	813929

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Jan 18, 2022
Property Address	134 CENTRE LN, HOWES CAVE, NY 12092
Document Number	001155/149
Book / Page	1155 / 149
Instrument Date	Jan 6, 2022
Instrument	802575
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	134 CENTRE LN, SCHOHARIE, NY 12157-5208

Mortgage

Document Number	0000802576
Date	Jan 18, 2022
Instrument	802576

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0001979/54
Date	Feb 4, 2022
Book Page	1979/54
Instrument	804997

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

Source: Schoharie County and Schoharie Town assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Schoharie County
County Subdivision	Schoharie Town
Unified School District	Schoharie Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,385.00 (+132.18%)	$162,000 (-) Land $20,100 Building $141,900	$261,290 (+7.11%) Land $32,419 Building $228,871
2023		$162,000 (-) Land $20,100 Building $141,900	$243,939 (+15.19%) Land $30,267 Building $213,672
2022		$162,000 Land $20,100 Building $141,900	$211,765 Land $26,275 Building $185,490
2021	$2,750.00 (-57.36%)
2020	$6,450.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	Hurricane Irene, Aug 2011 · 16 claims Severe Storms And Flooding, Jan 1996 · 2 claims Flooding, Apr 1987 · 2 claims

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 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

Cell Coverage

5G (outdoors only) and 4G LTE

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