201 Zicha Rd, Howes Cave, NY 12092 Property Records

Schoharie County and Esperance Town property record for 201 Zicha Rd, Howes Cave, NY 12092

Property Summary

Property Type	Mobile Home
Details	2 bd · 1.5 ba · 1,040 sqft · built 1990
Lot Size	4.3 acres (187,308 sqft)
Owner	2 Company Names on File
Tax Bill	$3,400 (2026)
Deeds & Mortgages	Mar 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`433089 48.-1-12`

Property Details

APN / Parcel Number

Primary APN	`433089 48.-1-12`
Alternative APNs	`308904800000010120000000` `455J174055`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Lot Area	187,308 sqft (4.3 acres)
Lot Width	280 ft Width
Porch	Slab
Porch Area	1,360 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	455J174055
Street Address	201 ZICHA RD
City	HOWES CAVE
State	NY
Zip	12092-3403
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	R1
Legal Block	1
Legal Lot Number	12.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	ESPERANCE
Census Block Group	1
Census Block	1038
Census Tract	740100

Owner

201 Zicha Rd, a mobile home, is owned by a company and is owner-occupied.

Source: Schoharie County and Esperance Town records, as of October 20, 2026

Owner of Record	2 Company Names on File
Mailing Address	201 ZICHA RD, HOWES CAVE, NY 12092-3403
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Mar 24, 2020
Property Address	201 ZICHA RD, HOWES CAVE, NY 12092-3403
Document Number	001110/210
Book / Page	1110 / 210
Instrument Date	Mar 12, 2020
Instrument	774783
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1210 STATE ROUTE 30A, CENTRAL BRIDGE, NY 12035-2609

Tax Assessment & Valuation

The 2026 property tax bill for 201 Zicha Rd was $3,400 with a homeowner's exemption, up 4% from the year before.

Source: Schoharie County and Esperance Town assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Schoharie County
County Subdivision	Esperance Town
Unified School District	Schoharie Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,400.00 (+4.01%) Homeowner's exemption
2025	$3,269.00	$90,000 Land $15,600 Building $74,400	$145,161 Land $25,161 Building $120,000
2023		$90,000 (-) Land $15,600 Building $74,400	$135,522 (+15.19%) Land $23,490 Building $112,032
2022		$90,000 Land $15,600 Building $74,400	$117,647 Land $20,392 Building $97,255
2021	$1,277.00 (-52.3%)
2020	$2,677.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 201 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	Hurricane Irene, Aug 2011 · 7 claims Severe Storms And Flooding, Apr 2005 · 5 claims Flooding, Apr 1987 · 3 claims

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

Wildfire risk around 201 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.

Internet Providers

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