207 Junction Rd, Howes Cave, NY 12092 Property Records

Schoharie County and Esperance Town property record for 207 Junction Rd, Howes Cave, NY 12092 · Last verified May 2026

Property Summary

Property Type	Mobile Home
Details	1,120 sqft · built 1996
Lot Size	4.3 acres (187,308 sqft)
Owner	2 Individual Names on File
Last Sale	$58,556 (Aug 1994)
Tax Bill	$2,110 (2025)
Flood Zone	Zone AE (high risk)
APN	`433089 47.-3-19`

Property Details

APN / Parcel Number

Primary APN	`433089 47.-3-19`
Alternative APNs	`308904700000030190000000` `455J100100`

Interior

Building Area	1,120 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Mobile Home
Lot Area	187,308 sqft (4.3 acres)
Lot Width	332 ft Width
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	464 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	455J100100
Street Address	207 JUNCTION RD
City	HOWES CAVE
State	NY
Zip	12092-3303
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Block	3
Legal Lot Number	19.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	ESPERANCE
Census Block Group	1
Census Block	1031
Census Tract	740100

Owner

Source: Schoharie County and Esperance Town records · APN 433089 47.-3-19

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	207 JUNCTION RD, HOWES CAVE, NY 12092-3303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 15, 1994 · Amount on Record
Deed Sale	Aug 15, 1994 · Amount on Record
Deed Book / Page	569 / 213
Record Updated	Jun 08, 2026

Tax Assessment & Valuation

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

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	$2,110.00 (+182.09%)	$60,000 (-) Land $15,400 Building $44,600	$96,774 (+7.11%) Land $24,839 Building $71,935
2023		$60,000 (-) Land $15,400 Building $44,600	$90,348 (+15.19%) Land $23,189 Building $67,159
2022		$60,000 Land $15,400 Building $44,600	$78,431 Land $20,131 Building $58,300
2021	$748.00 (-3.11%)
2020	$772.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schoharie County (36095C), updated February 16, 2012 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360957401001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 7 individual NFIP policies nearby
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	7 in force 7 of 7 on primary residences
Nearby Flood Claims	17 (1987–2011)
Claims Outside the SFHA	5 of 17
Most Recent Claim	Aug 2011, river or lake flooding, Hurricane Irene
Flood Events	Hurricane Irene (Aug 2011), 7 claims Severe Storms And Flooding (Apr 2005), 5 claims Flooding (Apr 1987), 3 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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.