Schoharie County and Carlisle Town property record for 171 Freeds Rd, Howes Cave, NY 12092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,800 sqft · built 2007 |
| Lot Size | 7.15 acres (311,454 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $329,500 (Dec 2021) |
| Tax Bill | $6,981 (2026) |
| Deeds & Mortgages | May 2024 Line of Credit Dec 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 432400 36.-3-40 |
| Primary APN | 432400 36.-3-40 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,800 sqft Living Area |
| 1st Floor Area | 1,800 sqft |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Contemporary |
| Exterior Material | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 311,454 sqft (7.15 acres) |
| Lot Width | 316 ft Width |
| Garage Type | Detached |
| Garage Area | 1,920 sqft |
| Parking Spaces | 7 Parking Spaces |
| Porch | Slab |
| Shed | 1 Shed |
| Canopy | 588 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Account Number | 425J188025 |
|---|---|
| Street Address | 171 FREEDS RD |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092-3201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01 - NOT Z |
| Legal Block | 3 |
| Legal Lot Number | 40.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | CARLISLE |
| Census Block Group | 2 |
| Census Block | 2041 |
| Census Tract | 740400 |
Source: Schoharie County and Carlisle 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 171 FREEDS RD, HOWES CAVE, NY 12092-3201 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| May 3, 2024 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO |
| Dec 10, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage M & T BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 10, 2021 · Amount on Record |
| Deed Sale | Dec 10, 2021 · Amount on Record |
| Prior Sale | Jul 16, 2014 · Amount on Record |
| Deed Document Number | 2021800329 |
| Deed Book / Page | 1152 / 290 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 171 FREEDS RD, HOWES CAVE, NY 12092-3201 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2024 |
| Name | Verified Name |
|---|
| Document Number | 002074/252 |
|---|---|
| Date | May 3, 2024 |
| Book Page | 2074/252 |
| Instrument | 825064 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Dec 10, 2021 |
| Property Address | 171 FREEDS RD, HOWES CAVE, NY 12092-3201 |
| Document Number | 001152/290 |
| Book / Page | 1152 / 290 |
| Instrument Date | Nov 30, 2021 |
| Instrument | 800329 |
| Transaction Type | Transfer |
| Record Updated | Dec 28, 2021 |
| 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 | 8135 CELESTE DR UNIT 4217, 4217, NAPLES, FL 34113-1650 |
| Document Number | 0000800330 |
|---|---|
| Date | Dec 10, 2021 |
| Instrument | 800330 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Schoharie County and Carlisle Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Carlisle Town |
| Unified School District | Cobleskill-Richmondville Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,981.00 (+11%) | ||
| 2025 | $6,289.00 (+13.97%) | $125,000 (-) Land $17,500 Building $107,500 | $304,878 (+21.95%) Land $42,683 Building $262,195 |
| 2023 | $125,000 Land $17,500 Building $107,500 | $250,000 Land $35,000 Building $215,000 | |
| 2020 | $5,518.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective February 16, 2012
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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 | 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 11 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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