190 Caverns Rd, Howes Cave, NY 12092 Property Records

Schoharie County and Cobleskill Town property record for 190 Caverns Rd, Howes Cave, NY 12092 · Last verified May 2026

Property Highlights

Property Type	Residential > Multi-Unit > Duplex
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1900
Square Footage	1,935 sqft Total Area
Lot Size	13,068 sqft (0.3 acres)
Occupancy	Owner Occupied
Last Sale	$15,000 (2024)
Tax Bill	$2,717.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`432689 58.3-1-12`
Alternative APNs	`268905800300010120000000` `435J182052`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,935 sqft Total Area
1st Floor	1,455 sqft 1st Floor
2nd Floor	480 sqft 2nd Floor
Stories	2 Stories

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional Style
Exterior Material	Composition/Composite Exterior
Lot Area	13,068 sqft (0.3 acres)
Depth X Width	155 ft x 195 ft Depth x Width
Shed	1 Shed
Porch Area	252 sqft Porch

Utilities and HVAC

Heating System	Hot Water Heating
Heating Fuel	Oil Heating Fuel
Sewage	Septic Sewage
Water Source	Well Water Source

Location & Zoning

Account Number	435J182052
Street Address	190 CAVERNS RD
City	HOWES CAVE
State	NY
Zip	12092-1810
Property Usage	Residential Property Usage
Type	Residential > Multi-Unit > Duplex
Legal Description	HSE/2 C GAR
Legal Block	1
Legal Lot Number	12.000
Jurisdiction	SCHOHARIE NY
Minor Civil Division	COBLESKILL
Census Blockgroup	2
Census Block	2028
Census Tract	740200

Owner

Source: Schoharie County and Cobleskill Town records · APN 432689 58.3-1-12

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	190 CAVERNS RD, HOWES CAVE, NY 12092-1810
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 15, 2024 · Amount on Record
Deed Sale	Jul 15, 2024 · Amount on Record
Prior Sale	Jul 09, 2015 · Amount on Record
Deed Doc Number	2024825714
Deed Book / Page	1215 / 186
Prior Transfer Date	Jun 07, 2024
Prior Transfer Doc	001215/183
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 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	$2,717.00 (-36.95%)	$59,800 (-) Land $6,800 Building $53,000	$122,041 (+16.33%) Land $13,878 Building $108,163
2023		$59,800 Land $6,800 Building $53,000	$104,912 Land $11,930 Building $92,982
2020	$4,309.00

Flood & Wildfire

190 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 moderate flood hazard · within the 0.2% annual chance floodplain
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 100 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.