Schoharie County and Cobleskill Town property record for 196 Howes Cave Rd, Howes Cave, NY 12092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,632 sqft · built 1915 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $23,200 (Feb 1999) |
| Tax Bill | $2,642 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 432689 58.-2-30 |
| Primary APN | 432689 58.-2-30 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,632 sqft Living Area |
| 1st Floor Area | 936 sqft |
| 2nd Floor Area | 696 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Architectural Style | Traditional |
| Exterior Material | Stucco |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 183 ft deep x 55 ft wide |
| Porch | Slab |
| Porch Area | 504 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 435J100522 |
|---|---|
| Street Address | 196 HOWES CAVE RD |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092-1800 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | STUCCO HSE |
| Legal Block | 2 |
| Legal Lot Number | 30.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 740200 |
Source: Schoharie County and Cobleskill Town records, as of October 20, 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 Record |
|---|---|
| Mailing Address | 196 HOWES CAVE RD, HOWES CAVE, NY 12092-1800 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 2, 1999 · Amount on Record |
| Deed Sale | Feb 2, 1999 · Amount on Record |
| Prior Sale | Jun 19, 1998 · Amount on Record |
| Deed Book / Page | 648 / 36 |
| Last Transfer Date | Jul 30, 2002 |
| Transfer Doc | 0721000001 |
| Record Updated | Oct 29, 2026 |
Source: Schoharie County and Cobleskill Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Cobleskill Town |
| Unified School District | Cobleskill-Richmondville Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,642.00 (+6.1%) Homeowner's exemption | ||
| 2025 | $2,490.00 (+33.8%) | $54,800 (-) Land $6,800 Building $48,000 | $111,837 (+16.33%) Land $13,878 Building $97,959 |
| 2023 | $54,800 Land $6,800 Building $48,000 | $96,140 Land $11,930 Building $84,210 | |
| 2020 | $1,861.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective February 16, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 6 (1996–2011) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Sep 2011 · Remnants Of Tropical Storm Lee |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 93% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| MIDTEL Fiber | 500 / 100 |
May also be available: Verizon.
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