Schoharie County and Esperance Town property record for 218 Junction Rd, Howes Cave, NY 12092 · Last verified May 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1900 |
| Square Footage | 2,252 sqft Living Area |
| Lot Size | 52,272 sqft (1.2 acres) |
| Garage | Detached, 1,200 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $3,491.00 (2025) |
Source: Schoharie County and Esperance Town records · APN 433089 47.-3-10
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 | 218 JUNCTION RD, HOWES CAVE, NY 12092-3302 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Aug 26, 2005 |
| Transfer Doc | 0000000794/000000028 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 218 JUNCTION RD, HOWES CAVE, NY 12092-3302 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Name | Verified Name |
|---|
| Document Number | 002006/174 |
|---|---|
| Date | Jul 29, 2022 |
| Book Page | 2006/174 |
| Instrument | 814165 |
| Name | NEWREZ LLC |
|---|
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 01, 2037 |
Source: Schoharie County and Esperance Town records · Assessment roll updated May 14, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Esperance Town |
| Unified School District | Schoharie Central School District (PK - 12) |
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 | $3,491.00 (+228.1%) | $96,100 (-) Land $13,800 Building $82,300 | $155,000 (+7.11%) Land $22,258 Building $132,742 |
| 2023 | $96,100 (-) Land $13,800 Building $82,300 | $144,707 (+15.19%) Land $20,780 Building $123,927 | |
| 2022 | $96,100 Land $13,800 Building $82,300 | $125,621 Land $18,039 Building $107,582 | |
| 2021 | $1,064.00 (-49.83%) | ||
| 2020 | $2,121.00 |
Source: FEMA National Flood Hazard Layer, Schoharie County (36095C), updated February 16, 2012 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Wildfire Risk | Low above 20% of the US · above 55% of New York |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 433089 47.-3-10 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,252 sqft Living Area |
| 1st Floor | 1,412 sqft 1st Floor |
| 2nd Floor | 840 sqft 2nd Floor |
| Stories | 2 Stories |
| Fireplace | 1 Fireplace |
| Fireplaces | 2 Fireplaces |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Colonial Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 52,272 sqft (1.2 acres) |
| Lot Width | 210 ft Width |
| Parking Spaces | 5 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 1,200 sqft Garage |
| Pool Type | Above-Ground Pool Pool Type |
| Pool Area | 452 sqft Pool |
| Porch Area | 120 sqft Porch |
| Heating System | Forced Air with Air Conditioning Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Sewage | Septic Sewage |
| Water Source | Well Water Source |
| Account Number | 455J100091 |
|---|---|
| Street Address | 218 JUNCTION RD |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092-3302 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 3 |
| Legal Lot Number | 10.000 |
| Jurisdiction | SCHOHARIE NY |
| Minor Civil Division | ESPERANCE |
| Census Blockgroup | 1 |
| Census Block | 1038 |
| Census Tract | 740100 |
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