Schoharie County and Cobleskill Town property record for 183 Caverns Rd, Howes Cave, NY 12092 · Last verified May 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1948 |
| Square Footage | 1,508 sqft Living Area |
| Lot Size | 13,068 sqft (0.3 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $207,400 (2022) |
| Tax Bill | $6,031.00 (2025) |
| Primary APN | 432689 58.3-1-13 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,508 sqft Living Area |
| 1st Floor | 1,008 sqft 1st Floor |
| 2nd Floor | 368 sqft 2nd Floor |
| Upper Floors | 132 sqft Upper Floors |
| Stories | 2 Stories |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Architectural Style | Traditional Style |
| Exterior Material | Composition/Composite Exterior |
| Lot Area | 13,068 sqft (0.3 acres) |
| Depth X Width | 100 ft x 151 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 250 sqft Garage |
| Patio Area | 128 sqft Patio |
| Porch Area | 199 sqft Porch |
| Heating System | Forced Air with Air Conditioning Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Sewage | Septic Sewage |
| Water Source | Well Water Source |
| Account Number | 435J100317 |
|---|---|
| Street Address | 183 CAVERNS RD |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092-1907 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HSE & GAR UN |
| Legal Block | 1 |
| Legal Lot Number | 13.000 |
| Jurisdiction | SCHOHARIE NY |
| Minor Civil Division | COBLESKILL |
| Census Blockgroup | 2 |
| Census Block | 2022 |
| Census Tract | 740200 |
Source: Schoharie County and Cobleskill Town records · APN 432689 58.3-1-13
Assessment roll updated May 14, 2026 · Last verified May 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 File |
|---|---|
| Mailing Address | 183 CAVERNS RD, HOWES CAVE, NY 12092-1907 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 07, 2024 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Nov 10, 2022 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Jun 14, 2022 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage HOMESTEAD FUNDING CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 14, 2022 · Amount on Record |
| Deed Sale | Jun 14, 2022 · Amount on Record |
| Prior Sale | May 03, 2021 · Amount on Record |
| Deed Doc Number | 2022811616 |
| Deed Book / Page | 1166 / 205 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 183 CAVERNS RD, HOWES CAVE, NY 12092-1907 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2024 |
| Name | Verified Name |
|---|
| Document Number | 002067/199 |
|---|---|
| Date | Feb 07, 2024 |
| Book Page | 2067/199 |
| Instrument | 824245 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Mar 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 183 CAVERNS RD, HOWES CAVE, NY 12092-1907 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0002020/68 |
|---|---|
| Date | Nov 10, 2022 |
| Book Page | 2020/68 |
| Instrument | 819462 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Jun 14, 2022 |
| Property Address | 183 CAVERNS RD, HOWES CAVE, NY 12092-1907 |
| Document Number | 001166/205 |
| Book / Page | 1166 / 205 |
| Instrument Date | May 25, 2022 |
| Instrument | 811616 |
| Transaction Type | Transfer |
| Record Updated | Jul 05, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 15 UNION TPKE, HUDSON, NY 12534-2614 |
| Document Number | 0000811617 |
|---|---|
| Date | Jun 14, 2022 |
| Instrument | 811617 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Schoharie County and Cobleskill Town records · Assessment roll updated May 14, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Cobleskill Town |
| Unified School District | Cobleskill-Richmondville Central School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,031.00 (+22.61%) | $132,736 (-) Land $6,800 Building $125,936 | $270,890 (+16.33%) Land $13,878 Building $257,012 |
| 2023 | $132,736 Land $6,800 Building $125,936 | $232,870 Land $11,930 Building $220,940 | |
| 2020 | $4,919.00 |
183 Caverns Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Schoharie County (36095C), updated February 16, 2012
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 55th in New York |
|---|---|
| Wildfire Likelihood | Low — about 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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