187 Caverns Rd, Howes Cave, NY 12092 Property Records

Schoharie County and Cobleskill Town property record for 187 Caverns Rd, Howes Cave, NY 12092 · Last verified May 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2.5 Baths
Year Built	Built 2020
Square Footage	2,400 sqft Living Area
Lot Size	61,855 sqft (1.42 acres)
Occupancy	Owner Occupied
Last Sale	$164,000 (2008)
Tax Bill	$6,592.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`432689 58.3-1-14`
Alternative APNs	`268905800300010140000000` `435J100206`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Building Area	2,400 sqft Living Area
1st Floor	1,200 sqft 1st Floor
2nd Floor	1,200 sqft 2nd Floor
Game Room	Game Room
Stories	2 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Colonial Style
Exterior Material	Aluminum/Vinyl Exterior
Lot Area	61,855 sqft (1.42 acres)
Lot Width	88.6 ft Width
Parking Spaces	2 Parking Spaces
Garage Type	Detached Garage
Garage Area	576 sqft Garage
Pool Type	Above-Ground Pool Pool Type
Patio Area	132 sqft Patio
Porch Area	280 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Hot Water Heating
Heating Fuel	Gas Heating Fuel
Sewage	Septic Sewage
Water Source	Well Water Source

Location & Zoning

Account Number	435J100206
Street Address	187 CAVERNS RD
City	HOWES CAVE
State	NY
Zip	12092-1809
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	HSE GAR UNDER
Legal Block	1
Legal Lot Number	14.000
Jurisdiction	SCHOHARIE NY
Minor Civil Division	COBLESKILL
Census Blockgroup	2
Census Block	2022
Census Tract	740200

Owner

Source: Schoharie County and Cobleskill Town records · APN 432689 58.3-1-14

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	Individual Name on File
Mailing Address	187 CAVERNS RD, HOWES CAVE, NY 12092-1809
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 11, 2008 · Amount on Record
Deed Sale	Sep 11, 2008 · Amount on Record
Deed Book / Page	867 / 218
Record Refreshed	Jun 08, 2026

Tax Assessment & Valuation

Source: Schoharie County and Cobleskill Town records · Assessment roll updated May 14, 2026 · Last verified May 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,592.00 (+364.88%)	$155,000 (+517.53%) Land $15,000 Building $140,000	$316,327 (+618.35%) Land $30,612 Building $285,715
2023		$25,100 Land $8,600 Building $16,500	$44,035 Land $15,088 Building $28,947
2020	$1,418.00

Flood & Wildfire

187 Caverns Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

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

Wildfire

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.