205 Caverns Rd, Howes Cave, NY 12092 Property Records

Schoharie County and Cobleskill Town property record for 205 Caverns Rd, Howes Cave, NY 12092

Property Summary

Property Type	Mobile Home
Details	1,344 sqft · built 1983
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$53,500 (Oct 2016)
Tax Bill	$2,049 (2025)
Deeds & Mortgages	May 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`432689 58.3-1-19`

Property Details

APN / Parcel Number

Primary APN	`432689 58.3-1-19`
Alternative APNs	`268905800300010190000000` `435J100079`

Interior

Building Area	1,344 sqft Living Area

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Mobile Home
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	140 ft deep x 80 ft wide

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	435J100079
Street Address	205 CAVERNS RD
City	HOWES CAVE
State	NY
Zip	12092-1812
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	R2
Legal Description	HOUSE LIFE EST GENE E CARPENTER
Legal Block	1
Legal Lot Number	19.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	COBLESKILL
Census Block Group	2
Census Block	2022
Census Tract	740200

Owner

Source: Schoharie County and Cobleskill Town records, as of May 14, 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	205 CAVERNS RD, HOWES CAVE, NY 12092-1812
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2016 · Amount on Record
Deed Sale	Oct 13, 2016 · Amount on Record
Prior Sale	May 10, 2016 · Amount on Record
Deed Book / Page	1031 / 197
Last Transfer Date	May 3, 2021
Transfer Doc	1136/164
Record Updated	Jun 8, 2026

May 2021: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	SCHOHARIE NY
Recording Date	May 5, 2021
Property Address	205 CAVERNS RD, HOWES CAVE, NY 12092-1812
Document Number	1136/164
Book / Page	1136 / 164
Instrument Date	May 3, 2021
Instrument	788445
Transaction Type	Transfer
Record Updated	May 25, 2021

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	205 CAVERNS RD, HOWES CAVE, NY 12092-1812

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,049.00	$45,100 (-) Land $6,500 Building $38,600	$92,041 (+16.33%) Land $13,265 Building $78,776
2023		$45,100 (-) Land $6,500 Building $38,600	$79,123 (+12.28%) Land $11,404 Building $67,719
2022		$45,100 Land $6,500 Building $38,600	$70,469 Land $10,156 Building $60,313
2020	$3,250.00

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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	Remnants Of Tropical Storm Lee, Sep 2011 · 2 claims Hurricane Irene, Sep 2011 · 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

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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
MIDTEL Fiber	500 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20