Schoharie County and Cobleskill Town property record for 202 Howes Cave Rd, Howes Cave, NY 12092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,572 sqft · built 1890 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $24,000 (May 2020) |
| Tax Bill | $1,928 (2026) |
| Deeds & Mortgages | Nov 2020 Line of Credit Jan 2020 Foreclosure + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 432689 58.-2-29 |
| Primary APN | 432689 58.-2-29 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,572 sqft Living Area |
| 1st Floor Area | 828 sqft |
| 2nd Floor Area | 744 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Traditional |
| Exterior Material | Composition/Composite |
| Lot Area | 17,424 sqft (0.4 acres) |
| Lot Dimensions | 174 ft deep x 104 ft wide |
| Garage Type | Detached |
| Garage Area | 324 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Patio |
| Porch Area | 578 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Account Number | 435J100593 |
|---|---|
| Street Address | 202 HOWES CAVE RD |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092-1803 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | HSE BRN & GAR |
| Legal Block | 2 |
| Legal Lot Number | 29.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 740200 |
Source: Schoharie County and Cobleskill Town records, as of October 20, 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 Record |
|---|---|
| Mailing Address | 202 HOWES CAVE RD, HOWES CAVE, NY 12092-1803 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 9, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU |
| Jan 13, 2020 | Deed, Foreclosure |
| Jun 27, 2018 | Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 19, 2020 · Amount on Record |
| Deed Sale | May 19, 2020 · Amount on Record |
| Prior Sale | Jun 27, 2018 · Amount on Record |
| Deed Document Number | 2020775440 |
| Deed Book / Page | 1112 / 200 |
| Prior Transfer Date | Jun 6, 2018 |
| Prior Transfer Doc | 001072/121 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 202 HOWES CAVE RD, HOWES CAVE, NY 12092-1803 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1902/288 |
|---|---|
| Date | Nov 9, 2020 |
| Book Page | 1902/288 |
| Instrument | 781760 |
| Name | FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Jan 13, 2020 |
| Property Address | 202 HOWES CAVE RD, HOWES CAVE, NY 12092-1803 |
| Document Number | 0001106/98 |
| Book / Page | 1106 / 98 |
| Instrument Date | Aug 13, 2018 |
| Instrument | 772223 |
| Transaction Type | Foreclosure |
| Record Updated | May 12, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2401 NW 23RD ST STE 1D, 1D, OKLAHOMA CITY, OK 73107-2420 |
| Investor | Possibly a Property Investor |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Jun 27, 2018 |
| Property Address | 202 HOWES CAVE RD, HOWES CAVE, NY 12092-1803 |
| Document Number | 001072/121 |
| Book / Page | 1072 / 121 |
| Instrument Date | Jun 6, 2018 |
| Instrument | 000000742852 |
| Transaction Type | Foreclosure |
| Record Updated | May 12, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4801 FREDERICA ST, OWENSBORO, KY 42301-7441 |
| Investor | Possibly a Property Investor |
Source: Schoharie County and Cobleskill Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Cobleskill Town |
| Unified School District | Cobleskill-Richmondville Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,928.00 (+6.11%) | ||
| 2025 | $1,817.00 (-23.59%) | $40,000 (-) Land $8,100 Building $31,900 | $81,633 (+16.33%) Land $16,531 Building $65,102 |
| 2023 | $40,000 Land $8,100 Building $31,900 | $70,175 Land $14,210 Building $55,965 | |
| 2020 | $2,378.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective February 16, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 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 |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 6 (1996–2011) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Sep 2011 · Remnants Of Tropical Storm Lee |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 93% of New York |
|---|---|
| Wildfire Likelihood | Under 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 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| MIDTEL Fiber | 500 / 100 |
May also be available: Verizon.
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