202 Caverns Rd, Howes Cave, NY 12092 Property Records

Schoharie County and Cobleskill Town property record for 202 Caverns Rd, Howes Cave, NY 12092 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	1 Baths
Year Built	Built 1856
Square Footage	1,185 sqft Living Area
Lot Size	8,712 sqft (0.2 acres)
Occupancy	Owner Occupied
Last Sale	$47,700 (2019)
Tax Bill	$2,758.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`432689 58.3-1-10`
Alternative APNs	`268905800300010100000000` `435J177077`

Interior

Bedrooms	2 Beds
Full Baths	1 Baths
Building Area	1,185 sqft Living Area
1st Floor	705 sqft 1st Floor
2nd Floor	480 sqft 2nd Floor
Stories	2 Stories

Exterior

Year Built	Built 1856
Effective Year Built	Effective 1856
Architectural Style	Traditional Style
Exterior Material	Wood Exterior
Lot Area	8,712 sqft (0.2 acres)
Depth X Width	100 ft x 100 ft Depth x Width
Parking Spaces	1 Parking Spaces
Garage Type	Detached Garage
Garage Area	361 sqft Garage
Porch Area	195 sqft Porch

Utilities and HVAC

Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Oil Heating Fuel
Sewage	Septic Sewage
Water Source	Well Water Source

Location & Zoning

Account Number	435J177077
Street Address	202 CAVERNS RD
City	HOWES CAVE
State	NY
Zip	12092-1811
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	HSE & GARAGE
Legal Block	1
Legal Lot Number	10.000
Jurisdiction	SCHOHARIE NY
Minor Civil Division	COBLESKILL
Census Blockgroup	2
Census Block	2028
Census Tract	740200

Owner

Source: Schoharie County and Cobleskill Town records · APN 432689 58.3-1-10

Assessment roll updated May 14, 2026 · Last verified July 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 File
Mailing Address	202 CAVERNS RD, HOWES CAVE, NY 12092-1811
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 29, 2019 · Amount on Record
Deed Sale	Aug 29, 2019 · Amount on Record
Deed Doc Number	2019766376
Deed Book / Page	1098 / 129
Record Refreshed	Sep 20, 2026

August 2019: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Aug 29, 2019
Property Address	202 CAVERNS RD, HOWES CAVE, NY 12092-1811
Document Number	001098/129
Book / Page	1098 / 129
Instrument Date	Aug 22, 2019
Instrument	766376
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	647 JOSLYN RD, EAST BERNE, NY 12059
Investor	Possibly a Property Investor

Mortgage

Document Number	00001849/1
Date	Aug 29, 2019
Book Page	1849/1
Instrument	766377

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Schoharie County
County Subdivision	Cobleskill Town
Unified School District	Cobleskill-Richmondville 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	$2,758.00 (+2.76%)	$60,700 (-) Land $6,300 Building $54,400	$123,878 (+16.33%) Land $12,857 Building $111,021
2023		$60,700 Land $6,300 Building $54,400	$106,491 Land $11,053 Building $95,438
2020	$2,684.00

Flood & Wildfire

202 Caverns Rd is in FEMA Zone AE, inside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Schoharie County (36095C), updated February 16, 2012

FEMA Flood Zone	Zone AE 1% annual chance, base flood elevation determined
Special Flood Hazard Area	Yes flood insurance required for federally backed mortgages
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 20th percentile of exposed land nationally · 55th in New York
Wildfire Likelihood	Low — 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.