Schoharie County and Esperance Town property record for 227 Zicha Rd, Howes Cave, NY 12092
| Property Type | Mobile Home |
|---|---|
| Details | 576 sqft · built 1970 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $23 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 433089 48.-1-1 |
| Primary APN | 433089 48.-1-1 |
|---|---|
| Alternative APNs |
|
| Building Area | 576 sqft Living Area |
|---|
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Mobile Home |
| Lot Area | 3,485 sqft (0.08 acres) |
| Lot Dimensions | 70 ft deep x 33 ft wide |
| Account Number | 455J100500 |
|---|---|
| Street Address | 227 ZICHA RD |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092-3403 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | R1 |
| Legal Block | 1 |
| Legal Lot Number | 1.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | ESPERANCE |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 740100 |
227 Zicha Rd, a mobile home, is owned and occupied by two individuals.
Source: Schoharie County and Esperance Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 227 ZICHA RD, HOWES CAVE, NY 12092-3403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 227 Zicha Rd was $23, up 4.5% from the year before.
Source: Schoharie County and Esperance Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Esperance Town |
| Unified School District | Schoharie Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $23.00 (+4.55%) | ||
| 2025 | $22.00 | $600 Land $200 Building $400 | $968 Land $323 Building $645 |
| 2023 | $600 (-) Land $200 Building $400 | $903 (+15.18%) Land $301 Building $602 | |
| 2022 | $600 Land $200 Building $400 | $784 Land $261 Building $523 | |
| 2021 | $23.00 (+4.55%) | ||
| 2020 | $22.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 227 Zicha Rd in Zone X, an area of minimal flood risk, though there have been 17 flood claims nearby since 1987.
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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 17 (1987–2011) |
| Claims Outside the SFHA | 5 of 17 |
| 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.
Wildfire risk around 227 Zicha Rd is low, with a 0.01% annual chance of 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.
Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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