199 Smith Rd, Howes Cave, NY 12092 Property Records

Schoharie County and Schoharie Town property record for 199 Smith Rd, Howes Cave, NY 12092 · Last verified May 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1 Baths
Year Built	Built 1987
Square Footage	1,560 sqft Living Area
Lot Size	226,512 sqft (5.2 acres)
Pool	Above-Ground Pool
Occupancy	Owner Occupied
Tax Bill	$5,616.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`434289 47.-7-12`
Alternative APNs	`428904700000070120000000` `515J189004`

Interior

Bedrooms	3 Beds
Full Baths	1 Baths
Building Area	1,560 sqft Living Area
1st Floor	1,144 sqft 1st Floor
Upper Floors	416 sqft Upper Floors
Stories	1 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Cape Cod Style
Exterior Material	Wood Exterior
Lot Area	226,512 sqft (5.2 acres)
Lot Width	940 ft Width

Exterior Amenities

Pool Type	Above-Ground Pool Pool Type
Pool Area	452 sqft Pool
Shed	1 Shed
Porch Area	312 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Central Heating
Heating Fuel	Oil Heating Fuel
Sewage	Septic Sewage
Water Source	Well Water Source

Location & Zoning

Account Number	515J189004
Street Address	199 SMITH RD
City	HOWES CAVE
State	NY
Zip	12092-2701
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	7
Legal Lot Number	12.000
Jurisdiction	SCHOHARIE NY
Minor Civil Division	SCHOHARIE
Census Blockgroup	5
Census Block	5037
Census Tract	740100

Owner

Source: Schoharie County and Schoharie Town records · APN 434289 47.-7-12

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	2 Individual Names on File
Mailing Address	199 SMITH RD, HOWES CAVE, NY 12092-2701
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Nov 17, 2010
Transfer Doc	0911000153
Record Refreshed	Jun 08, 2026

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Schoharie County
County Subdivision	Schoharie 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	$5,616.00 (+132.16%)	$142,500 (-) Land $35,000 Building $107,500	$229,839 (+7.11%) Land $56,452 Building $173,387
2023		$142,500 (-) Land $20,400 Building $122,100	$214,576 (+15.19%) Land $30,718 Building $183,858
2022		$142,500 Land $20,400 Building $122,100	$186,275 Land $26,667 Building $159,608
2021	$2,419.00 (-51.78%)
2020	$5,017.00

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 X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	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.