Schoharie County and Esperance Town property record for 191 Junction Rd, Howes Cave, NY 12092 · Last verified May 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2014 |
| Square Footage | 1,222 sqft Living Area |
| Lot Size | 34,848 sqft (0.8 acres) |
| Garage | Basement |
| Last Sale | $129,900 (2005) |
| Tax Bill | $4,286.00 (2025) |
Source: Schoharie County and Esperance Town records · APN 433089 47.-3-18
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 | PO BOX 2527, SCHENECTADY, NY 12325-0527 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 02, 2005 · Amount on Record |
| Deed Sale | Nov 02, 2005 · Amount on Record |
| Prior Sale | Jun 13, 1997 · Amount on Record |
| Deed Book / Page | 799 / 101 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 191 JUNCTION RD, HOWES CAVE, NY 12092-3301 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2018 |
| Name | Verified Name |
|---|
| Document Number | , 000000731468 |
|---|---|
| Date | Jan 11, 2018 |
| Book Page | 0000001790/0000000074 |
| Instrument | 000000731468 |
| Name | SUNMARK FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|---|
| Term | 228 Months |
| Due | Jan 01, 2037 |
Source: Schoharie County and Esperance Town records · Assessment roll updated May 14, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Esperance Town |
| Unified School District | Schoharie 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 | $4,286.00 (+53.62%) | $118,000 (-) Land $8,000 Building $110,000 | $190,323 (+7.11%) Land $12,903 Building $177,420 |
| 2023 | $118,000 (-) Land $8,000 Building $110,000 | $177,684 (+15.19%) Land $12,046 Building $165,638 | |
| 2022 | $118,000 Land $8,000 Building $110,000 | $154,248 Land $10,457 Building $143,791 | |
| 2021 | $2,790.00 (-25.46%) | ||
| 2020 | $3,743.00 |
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
| 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 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.
| Primary APN | 433089 47.-3-18 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,222 sqft Living Area |
| 1st Floor | 1,222 sqft 1st Floor |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Ranch Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 34,848 sqft (0.8 acres) |
| Depth X Width | 348 ft x 115 ft Depth x Width |
| Garage Type | Basement Garage |
| Pool Type | Above-Ground Pool Pool Type |
| Patio Area | 242 sqft Patio |
| Porch Area | 144 sqft Porch |
| Heating System | Forced Air with Air Conditioning Heating |
|---|---|
| Sewage | Septic Sewage |
| Water Source | Well Water Source |
| Account Number | 455J174013 |
|---|---|
| Street Address | 191 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 | 18.000 |
| Jurisdiction | SCHOHARIE NY |
| Minor Civil Division | ESPERANCE |
| Census Blockgroup | 1 |
| Census Block | 1031 |
| Census Tract | 740100 |
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