Schoharie County and Schoharie Town property record for 208 Smith Rd, Howes Cave, NY 12092
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 1 ba · 2,344 sqft · built 1950 |
| Lot Size | 13.7 acres (599,386 sqft) |
| Owner | 2 Individuals on Record |
| Last Sale | $182,000 (Oct 2007) |
| Tax Bill | $6,306 (2025) |
| Deeds & Mortgages | Jul 2021 Line of Credit Sep 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 434289 59.-4-8.1 |
| Primary APN | 434289 59.-4-8.1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 2,344 sqft Living Area |
| 1st Floor Area | 1,332 sqft |
| 2nd Floor Area | 1,012 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 599,386 sqft (13.7 acres) |
| Garage Type | Detached |
| Garage Area | 864 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 384 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 515J100744 |
|---|---|
| Street Address | 208 SMITH RD |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092-2702 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | A |
| Legal Block | 4 |
| Legal Lot Number | 8.001 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | SCHOHARIE |
| Census Block Group | 5 |
| Census Block | 5037 |
| Census Tract | 740100 |
Source: Schoharie County and Schoharie Town assessment roll, 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 | 2 Individuals on Record |
|---|---|
| Mailing Address | 208 SMITH RD, HOWES CAVE, NY 12092-2702 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 19, 2021 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES FCU |
| Sep 27, 2021 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES FCU |
| May 3, 2017 | Intrafamily Transfer, Transfer NONE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 1, 2007 · Amount on Record |
| Deed Sale | Oct 1, 2007 · Amount on Record |
| Prior Sale | Jun 5, 2007 · Amount on Record |
| Deed Book / Page | 846 / 35 |
| Last Transfer Date | Apr 30, 2017 |
| Transfer Doc | 0000001043/000000022 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 208 SMITH RD, HOWES CAVE, NY 12092-2702 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00001945/3 |
|---|---|
| Date | Jul 19, 2021 |
| Book Page | 1945/3 |
| Instrument | 792407 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 208 SMITH RD, HOWES CAVE, NY 12092-2702 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1955/78 |
|---|---|
| Date | Sep 27, 2021 |
| Book Page | 1955/78 |
| Instrument | 796369 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2036 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | May 3, 2017 |
| Property Address | 208 SMITH RD, HOWES CAVE, NY 12092-2702 |
| Document Number | 0000001043/0000000225 |
| Book / Page | 0000001043 / 0000000225 |
| Instrument Date | Apr 30, 2017 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Title Company | NONE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 208 SMITH RD, HOWES CAVE, NY 12092-2702 |
Source: Schoharie County and Schoharie Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Schoharie Town |
| Unified School District | Schoharie Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,306.00 (+132.09%) | $160,000 (-) Land $22,800 Building $137,200 | $258,065 (+7.11%) Land $36,774 Building $221,291 |
| 2023 | $160,000 (-) Land $22,800 Building $137,200 | $240,928 (+15.19%) Land $34,332 Building $206,596 | |
| 2022 | $160,000 Land $22,800 Building $137,200 | $209,150 Land $29,804 Building $179,346 | |
| 2021 | $2,717.00 (-57.35%) | ||
| 2020 | $6,370.00 |
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 X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 83 policies |
| Nearby Flood Policies | 83 in force |
| Nearby Flood Claims | 84 (1980–2011) |
| Claims Outside the SFHA | 23 of 84 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| 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 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.
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