225 Caverns Rd, Howes Cave, NY 12092 Property Records

Schoharie County and Cobleskill Town property record for 225 Caverns Rd, Howes Cave, NY 12092 · Last verified May 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	1 Baths
Architecture Style	Traditional
Year Built	Built 1783
Square Footage	1,560 sqft Living Area
Lot Size	17,424 sqft (0.4 acres)
Occupancy	Owner Occupied
Tax Bill	$2,749.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`432689 58.3-1-24`
Alternative APNs	`268905800300010240000000` `435J100316`

Interior

Bedrooms	2 Beds
Full Baths	1 Baths
Building Area	1,560 sqft Living Area
1st Floor	1,040 sqft 1st Floor
2nd Floor	520 sqft 2nd Floor
Stories	2 Stories

Exterior

Year Built	Built 1783
Effective Year Built	Effective 1783
Architectural Style	Traditional Style
Exterior Material	Composition/Composite Exterior
Lot Area	17,424 sqft (0.4 acres)
Depth X Width	140 ft x 135 ft Depth x Width
Porch Area	472 sqft Porch

Utilities and HVAC

Heating System	Hot Water Heating
Heating Fuel	Oil Heating Fuel
Sewage	Septic Sewage
Water Source	Well Water Source

Location & Zoning

Account Number	435J100316
Street Address	225 CAVERNS RD
City	HOWES CAVE
State	NY
Zip	12092-1812
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	HOUSE & GARAGE
Legal Block	1
Legal Lot Number	24.000
Jurisdiction	SCHOHARIE NY
Minor Civil Division	COBLESKILL
Census Blockgroup	2
Census Block	2022
Census Tract	740200

Owner

Source: Schoharie County and Cobleskill Town records · APN 432689 58.3-1-24

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 Company Names on File
Mailing Address	PO BOX 282, HOWES CAVE, NY 12092-0282
Occupancy	Owner Occupied
Owner Type	Owner is a Company
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Mar 21, 2017
Transfer Doc	0001101/92
Record Refreshed	Jun 08, 2026

October 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Oct 17, 2019
Property Address	225 CAVERNS RD, HOWES CAVE, NY 12092-1812
Document Number	0001101/92
Book / Page	1101 / 92
Instrument Date	Mar 21, 2017
Instrument	768243
Transaction Type	Transfer
Record Updated	Nov 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	Zero or No Consideration Stated
Additional	Interfamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 CAVERNS RD, HOWES CAVE, NY 12092-1812

Tax Assessment & Valuation

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

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	$2,749.00 (+77.47%)	$60,500 (-) Land $7,100 Building $53,400	$123,469 (+16.33%) Land $14,490 Building $108,979
2023		$60,500 Land $7,100 Building $53,400	$106,140 Land $12,456 Building $93,684
2020	$1,549.00

Flood & Wildfire

225 Caverns Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Schoharie County (36095C), updated February 16, 2012

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 20th percentile of exposed land nationally · 55th in New York
Wildfire Likelihood	Low — about 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.