187 Junction Rd, Howes Cave, NY 12092 Property Records

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

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	2 Baths
Year Built	Built 2016
Square Footage	1,504 sqft Living Area
Lot Size	43,560 sqft (1 acres)
Occupancy	Owner Occupied
Last Sale	$208,225 (2021)
Tax Bill	$6,102.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`433089 47.-3-17`
Alternative APNs	`308904700000030170000000` `455J174012`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,504 sqft Living Area
1st Floor	1,504 sqft 1st Floor
Stories	1 Stories

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Ranch Style
Exterior Material	Aluminum/Vinyl Exterior
Lot Area	43,560 sqft (1 acres)
Depth X Width	180 ft x 218 ft Depth x Width
Garage Type	Basement Garage
Porch Area	240 sqft Porch

Utilities and HVAC

Heating System	Forced Air with Air Conditioning Heating
Sewage	Septic Sewage
Water Source	Well Water Source

Location & Zoning

Account Number	455J174012
Street Address	187 JUNCTION RD
City	HOWES CAVE
State	NY
Zip	12092-3301
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	3
Legal Lot Number	17.000
Jurisdiction	SCHOHARIE NY
Minor Civil Division	ESPERANCE
Census Blockgroup	1
Census Block	1031
Census Tract	740100

Owner

Source: Schoharie County and Esperance Town records · APN 433089 47.-3-17

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 JUNCTION RD, HOWES CAVE, NY 12092-3301
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	Jul 07, 2021 · Amount on Record
Deed Sale	Jul 07, 2021 · Amount on Record
Prior Sale	Jul 07, 1999 · Amount on Record
Deed Doc Number	2021791837
Deed Book / Page	1142 / 128
Prior Transfer Date	Sep 30, 2016
Prior Transfer Doc	0000001030/000000010
Record Refreshed	Jun 08, 2026

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Jul 07, 2021
Property Address	187 JUNCTION RD, HOWES CAVE, NY 12092-3301
Document Number	001142/128
Book / Page	1142 / 128
Instrument Date	Jun 24, 2021
Instrument	791837
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 DARROW RD, DUANESBURG, NY 12056

Mortgage

Document Number	0000791840
Date	Jul 07, 2021
Instrument	791840

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

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	$6,102.00 (+155.85%)	$168,000 (-) Land $8,500 Building $159,500	$270,968 (+7.11%) Land $13,710 Building $257,258
2023		$168,000 (-) Land $8,500 Building $159,500	$252,974 (+15.19%) Land $12,799 Building $240,175
2022		$168,000 Land $8,500 Building $159,500	$219,608 Land $11,111 Building $208,497
2021	$2,385.00 (-61.67%)
2020	$6,223.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schoharie County (36095C), updated February 16, 2012 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.