253 Caverns Rd, Howes Cave, NY 12092 Property Records

Schoharie County and Cobleskill Town property record for 253 Caverns Rd, Howes Cave, NY 12092 · Last verified May 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	5 Beds
Bathrooms	1 Baths
Year Built	Built 1890
Square Footage	2,536 sqft Living Area
Lot Size	143,748 sqft (3.3 acres)
Occupancy	Owner Occupied
Last Sale	$936,000 (2022)
Tax Bill	$2,272.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`432689 58.3-1-4`
Alternative APNs	`268905800300010040000000` `435J100426`

Interior

Bedrooms	5 Beds
Full Baths	1 Baths
Building Area	2,536 sqft Living Area
1st Floor	1,344 sqft 1st Floor
2nd Floor	1,040 sqft 2nd Floor
Upper Floors	152 sqft Upper Floors
Stories	2 Stories

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Traditional Style
Exterior Material	Wood Exterior
Lot Area	143,748 sqft (3.3 acres)
Lot Width	670 ft Width
Total Buildings	2 Total Buildings
Porch Area	100 sqft Porch
Canopy Area	144 sqft Canopy

Utilities and HVAC

Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Oil Heating Fuel
Sewage	Septic Sewage
Water Source	Well Water Source

Location & Zoning

Account Number	435J100426
Street Address	253 CAVERNS RD
City	HOWES CAVE
State	NY
Zip	12092-1812
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	HOUSE & SMALL BLD
Legal Block	1
Legal Lot Number	4.000
Jurisdiction	SCHOHARIE NY
Minor Civil Division	COBLESKILL
Census Blockgroup	2
Census Block	2028
Census Tract	740200

Owner

Source: Schoharie County and Cobleskill Town records · APN 432689 58.3-1-4

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	253 CAVERNS RD, HOWES CAVE, NY 12092-1812
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 16, 2022 · Amount on Record
Deed Sale	Feb 16, 2022 · Amount on Record
Deed Doc Number	2022805484
Deed Book / Page	1157 / 279
Record Refreshed	Jun 08, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Feb 16, 2022
Property Address	253 CAVERNS RD, HOWES CAVE, NY 12092-1812
Document Number	001157/279
Book / Page	1157 / 279
Instrument Date	Feb 09, 2022
Instrument	805484
Transaction Type	Transfer
Record Updated	Apr 03, 2026
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	253 CAVERNS RD, HOWES CAVE, NY 12092-1812

Mortgage

Document Number	0000805486
Date	Feb 16, 2022
Instrument	805486

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Stand Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2052

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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,272.00 (+2.76%)	$50,000 (-) Land $12,400 Building $37,600	$102,041 (+16.33%) Land $25,306 Building $76,735
2023		$50,000 Land $12,400 Building $37,600	$87,719 Land $21,754 Building $65,965
2020	$2,211.00

Flood & Wildfire

253 Caverns Rd is in FEMA Zone AE, inside the Special Flood Hazard Area, with no wildfire exposure.

Flood

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

FEMA Flood Zone	Zone AE regulatory floodway (1% zone; no fill or obstruction)
Special Flood Hazard Area	Yes flood insurance required for federally backed mortgages
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM

Wildfire

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

Wildfire Risk to Homes	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach of burnable land

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