Schoharie County and Esperance Town property record for 228 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 1980 |
| Square Footage | 2,396 sqft Living Area |
| Lot Size | 65,340 sqft (1.5 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $259,900 (2021) |
| Tax Bill | $5,158.00 (2025) |
| Primary APN | 433089 47.-3-12.11 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,396 sqft Living Area |
| 1st Floor | 1,198 sqft 1st Floor |
| 2nd Floor | 1,198 sqft 2nd Floor |
| Stories | 2 Stories |
| Year Built | Built 1860 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Traditional Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 65,340 sqft (1.5 acres) |
| Lot Width | 200 ft Width |
| Pool Type | Above-Ground Pool Pool Type |
| Porch Area | 64 sqft Porch |
| Heating System | Forced Air with Air Conditioning Heating |
|---|---|
| Sewage | Septic Sewage |
| Water Source | Well Water Source |
| Account Number | 455J100031 |
|---|---|
| Street Address | 228 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 | 12.011 |
| Jurisdiction | SCHOHARIE NY |
| Minor Civil Division | ESPERANCE |
| Census Blockgroup | 1 |
| Census Block | 1038 |
| Census Tract | 740100 |
Source: Schoharie County and Esperance Town records · APN 433089 47.-3-12.11
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 | 228 JUNCTION RD, HOWES CAVE, NY 12092-3302 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 29, 2019 | Deed of Trust, Mortgage · Stand Alone Refinance CAPITAL COMMUNICATIONS FCU |
| Feb 22, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage HOMEOWNERS ADVANTAGE |
| Nov 16, 2021 | Warranty Deed, Transfer · Stand Alone First Mortgage COMMUNITY BANK NA |
| Nov 16, 2021 | Correction Deed |
| Aug 29, 2019 | Correction Deed |
| Oct 04, 2018 | Warranty Deed, Transfer CAPITAL COMMUNICATIONS FCU |
| Feb 20, 2018 | Executor's Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 16, 2021 · Amount on Record |
| Deed Sale | Nov 16, 2021 · Amount on Record |
| Deed Doc Number | 2021798412 |
| Deed Book / Page | 1151 / 58 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 228 JUNCTION RD, HOWES CAVE, NY 12092-3302 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2024 |
| Name | Verified Name |
|---|
| Document Number | 001848/222 |
|---|---|
| Date | Aug 29, 2019 |
| Book Page | 1848/222 |
| Instrument | 766328 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 228 JUNCTION RD, HOWES CAVE, NY 12092-3302 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001920/225 |
|---|---|
| Date | Feb 22, 2021 |
| Book Page | 1920/225 |
| Instrument | 784966 |
| Name | HOMEOWNERS ADVANTAGE |
|---|
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Nov 16, 2021 |
| Property Address | 228 JUNCTION RD, HOWES CAVE, NY 12092-3302 |
| Document Number | 0001151/58 |
| Book / Page | 1151 / 58 |
| Instrument Date | Nov 09, 2021 |
| Instrument | 798412 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 2000 CURRY RD # 21, 21, SCHENECTADY, NY 12303-4115 |
| Document Number | 0000798416 |
|---|---|
| Date | Nov 16, 2021 |
| Instrument | 798416 |
| Name | COMMUNITY BANK NA |
|---|---|
| Type | Bank |
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Nov 16, 2021 |
| Property Address | 228 JUNCTION RD, HOWES CAVE, NY 12092-3302 |
| Document Number | 0001151/54 |
| Book / Page | 1151 / 54 |
| Instrument Date | Oct 15, 2021 |
| Instrument | 798411 |
| Record Updated | May 12, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 228 JUNCTION RD, HOWES CAVE, NY 12092-3302 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Aug 29, 2019 |
| Property Address | 228 JUNCTION RD, HOWES CAVE, NY 12092-3302 |
| Document Number | 0001098/65 |
| Book / Page | 1098 / 65 |
| Instrument Date | Aug 27, 2019 |
| Instrument | 766327 |
| Record Updated | May 12, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 228 JUNCTION RD, HOWES CAVE, NY 12092-3302 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Oct 04, 2018 |
| Property Address | 228 JUNCTION RD, HOWES CAVE, NY 12092-3302 |
| Document Number | 001077/300 |
| Book / Page | 1077 / 300 |
| Instrument Date | Sep 21, 2018 |
| Instrument | 000000751288 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1215 COTTON HILL RD, BERNE, NY 12023-4417 |
| Document Number | 0000001816/0000000265 |
|---|---|
| Date | Oct 04, 2018 |
| Book Page | 0000001816/0000000265 |
| Instrument | 000000751289 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|---|
| Term | 351 Months |
| Due | Jan 01, 2048 |
| Document Type | Executor's Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Feb 20, 2018 |
| Property Address | 228 JUNCTION RD, HOWES CAVE, NY 12092-3302 |
| Document Number | 001064/148 |
| Book / Page | 1064 / 148 |
| Instrument Date | Feb 04, 2018 |
| Instrument | 000000734168 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 228 JUNCTION RD, HOWES CAVE, NY 12092-3302 |
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 | $5,158.00 (+155.85%) | $142,000 (-) Land $18,500 Building $123,500 | $229,032 (+7.11%) Land $29,839 Building $199,193 |
| 2023 | $142,000 (-) Land $18,500 Building $123,500 | $213,823 (+15.19%) Land $27,857 Building $185,966 | |
| 2022 | $142,000 Land $18,500 Building $123,500 | $185,621 Land $24,183 Building $161,438 | |
| 2021 | $2,016.00 (-1.56%) | ||
| 2020 | $2,048.00 |
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 500 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.
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