Schoharie County and Esperance Town property record for 200 Zicha Rd, Howes Cave, NY 12092
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,624 sqft · built 1974 |
| Lot Size | 6.3 acres (274,428 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,783 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 433089 48.-1-5 |
| Primary APN | 433089 48.-1-5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,624 sqft Living Area |
| 1st Floor Area | 1,624 sqft |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 274,428 sqft (6.3 acres) |
| Lot Width | 220 ft Width |
| Garage Type | Detached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 464 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 455J174030 |
|---|---|
| Street Address | 200 ZICHA RD |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092-3402 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 1 |
| Legal Lot Number | 5.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | ESPERANCE |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 740100 |
200 Zicha Rd is owned and occupied by two individuals.
Source: Schoharie County and Esperance Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 200 ZICHA RD, HOWES CAVE, NY 12092-3402 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 200 Zicha Rd was $4,783 with a homeowner's exemption, up 4% from the year before.
Source: Schoharie County and Esperance Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Esperance Town |
| Unified School District | Schoharie Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,783.00 (+4%) Homeowner's exemption | ||
| 2025 | $4,599.00 | $126,600 Land $19,300 Building $107,300 | $204,194 Land $31,129 Building $173,065 |
| 2023 | $126,600 (-) Land $19,300 Building $107,300 | $190,634 (+15.19%) Land $29,062 Building $161,572 | |
| 2022 | $126,600 Land $19,300 Building $107,300 | $165,490 Land $25,229 Building $140,261 | |
| 2021 | $1,797.00 (-55.43%) | ||
| 2020 | $4,032.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 200 Zicha Rd in Zone X, an area of minimal flood risk, though there have been 17 flood claims nearby since 1987.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 17 (1987–2011) |
| Claims Outside the SFHA | 5 of 17 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| 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.
Wildfire risk around 200 Zicha Rd is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 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 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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