Schoharie County and Cobleskill Town property record for 259 Caverns Rd, Howes Cave, NY 12092 · Last verified May 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1890 |
| Square Footage | 4,246 sqft Living Area |
| Lot Size | 74,052 sqft (1.7 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $195,000 (2000) |
| Tax Bill | $3,885.00 (2025) |
| Primary APN | 432689 58.3-1-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Baths |
| Building Area | 4,246 sqft Living Area |
| 1st Floor | 980 sqft 1st Floor |
| Stories | 3 Stories |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Colonial Style |
| Exterior Material | Wood Exterior |
| Lot Area | 74,052 sqft (1.7 acres) |
| Depth X Width | 420 ft x 180 ft Depth x Width |
| Garage Type | Basement Garage |
| Total Buildings | 2 Total Buildings |
| Porch Area | 432 sqft Porch |
| Account Number | 435J100281 |
|---|---|
| Street Address | 259 CAVERNS RD |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092-1812 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 1 |
| Legal Lot Number | 1.000 |
| Jurisdiction | SCHOHARIE NY |
| Minor Civil Division | COBLESKILL |
| Census Blockgroup | 2 |
| Census Block | 2022 |
| Census Tract | 740200 |
Source: Schoharie County and Cobleskill Town records · APN 432689 58.3-1-1
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 | 259 CAVERNS RD, HOWES CAVE, NY 12092-1812 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 02, 2000 · Amount on Record |
| Deed Sale | Nov 02, 2000 · Amount on Record |
| Deed Book / Page | 684 / 53 |
| Last Transfer Date | May 04, 2016 |
| Transfer Doc | 0000001023/000000005 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 259 CAVERNS RD, HOWES CAVE, NY 12092-1812 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1904/170 |
|---|---|
| Date | Nov 19, 2020 |
| Book Page | 1904/170 |
| Instrument | 782123 |
| Name | BANK OF RICHMONDVILLE |
|---|
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 01, 2035 |
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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,885.00 (+20.69%) | $85,500 (-) Land $9,600 Building $75,900 | $174,490 (+16.33%) Land $19,592 Building $154,898 |
| 2023 | $85,500 Land $9,600 Building $75,900 | $150,000 Land $16,842 Building $133,158 | |
| 2020 | $3,219.00 |
259 Caverns Rd is in FEMA Zone AE, inside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Schoharie County (36095C), updated February 16, 2012
| FEMA Flood Zone | Zone AE 1% annual chance, base flood elevation determined |
|---|---|
| Special Flood Hazard Area | Yes flood insurance required for federally backed mortgages |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
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.
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