Schoharie County and Cobleskill Town property record for 228 Caverns Rd, Howes Cave, NY 12092 · Last verified May 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Architecture Style | Traditional |
| Year Built | Built 1900 |
| Square Footage | 1,470 sqft Living Area |
| Lot Size | 8,712 sqft (0.2 acres) |
| Occupancy | Owner Occupied |
| Tax Bill | $2,704.00 (2025) |
Source: Schoharie County and Cobleskill Town records · APN 432689 58.3-1-5
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 | Individual Name on File |
|---|---|
| Mailing Address | 228 CAVERNS RD, HOWES CAVE, NY 12092-1811 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Refreshed | Jun 08, 2026 |
Source: Schoharie County and Cobleskill Town records · Assessment roll updated May 14, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Cobleskill Town |
| Unified School District | Cobleskill-Richmondville 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 | $2,704.00 (+79.67%) | $59,500 (-) Land $5,800 Building $53,700 | $121,429 (+16.33%) Land $11,837 Building $109,592 |
| 2023 | $59,500 Land $5,800 Building $53,700 | $104,386 Land $10,175 Building $94,211 | |
| 2020 | $1,505.00 |
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 AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Wildfire Risk | Low above 6% of the US · above 9% of New York |
|---|---|
| Wildfire Likelihood | Less than 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.
| Primary APN | 432689 58.3-1-5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Building Area | 1,470 sqft Living Area |
| 1st Floor | 630 sqft 1st Floor |
| 2nd Floor | 840 sqft 2nd Floor |
| Stories | 2 Stories |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional Style |
| Exterior Material | Wood Exterior |
| Lot Area | 8,712 sqft (0.2 acres) |
| Depth X Width | 55 ft x 125 ft Depth x Width |
| Porch Area | 490 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 | 435J100606 |
|---|---|
| Street Address | 228 CAVERNS RD |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092-1811 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HOUSE |
| Legal Block | 1 |
| Legal Lot Number | 5.000 |
| Jurisdiction | SCHOHARIE NY |
| Minor Civil Division | COBLESKILL |
| Census Blockgroup | 2 |
| Census Block | 2028 |
| Census Tract | 740200 |
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