Schoharie County and Esperance Town property record for 201 Junction Rd, Howes Cave, NY 12092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,736 sqft · built 1980 |
| Lot Size | 1.19 acres (51,836 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $80,000 (Apr 1998) |
| Tax Bill | $3,451 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 433089 47.-3-32 |
| Primary APN | 433089 47.-3-32 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,736 sqft Living Area |
| 1st Floor Area | 952 sqft |
| 2nd Floor Area | 784 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Colonial |
| Exterior Material | Composition/Composite |
| Lot Area | 51,836 sqft (1.19 acres) |
| Lot Width | 115 ft Width |
| Garage Type | Attached |
| Garage Area | 416 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 544 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 455J186008 |
|---|---|
| Street Address | 201 JUNCTION RD |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092-3303 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 3 |
| Legal Lot Number | 32.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | ESPERANCE |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 740100 |
Source: Schoharie County and Esperance Town records · APN 433089 47.-3-32
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 | 201 JUNCTION RD, HOWES CAVE, NY 12092-3303 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 02, 1998 · Amount on Record |
| Deed Sale | Apr 02, 1998 · Amount on Record |
| Deed Book / Page | 630 / 210 |
| Record Updated | Jun 08, 2026 |
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 | $3,451.00 (+156.01%) | $95,000 (-) Land $8,300 Building $86,700 | $153,226 (+7.11%) Land $13,387 Building $139,839 |
| 2023 | $95,000 (-) Land $8,300 Building $86,700 | $143,051 (+15.19%) Land $12,498 Building $130,553 | |
| 2022 | $95,000 Land $8,300 Building $86,700 | $124,183 Land $10,850 Building $113,333 | |
| 2021 | $1,348.00 (-52.9%) | ||
| 2020 | $2,862.00 |
Source: FEMA National Flood Hazard Layer as of February 16, 2012 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
| Wildfire Risk | Low lower than 93% of the US · lower than 89% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
May also be available: Verizon.
Based on FCC filings for 9 locations within half a mile of this property.
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