274 Junction Rd, Howes Cave, NY 12092 Property Records

Schoharie County and Esperance Town property record for 274 Junction Rd, Howes Cave, NY 12092 · Last verified May 2026

Property Summary

Property Type	Rural Home
Details	2 bd · 1 ba · 1,080 sqft · built 2019
Lot Size	35 acres (1,524,600 sqft)
Owner	Individual Name on File
Last Sale	$40,000 (Apr 2017)
Tax Bill	$6,785 (2025)
Deeds & Mortgages	Feb 2025 Mortgage Sep 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`433089 47.-3-23`

Property Details

APN / Parcel Number

Primary APN	`433089 47.-3-23`
Alternative APNs	`308904700000030230000000` `455J177071`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,080 sqft Living Area
1st Floor Area	1,080 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	1,524,600 sqft (35 acres)
Lot Width	400 ft Width
Porch	Slab
Porch Area	448 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	455J177071
Street Address	274 JUNCTION RD
City	HOWES CAVE
State	NY
Zip	12092-3302
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Block	3
Legal Lot Number	23.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	ESPERANCE
Census Block Group	1
Census Block	1038
Census Tract	740100

Owner

Source: Schoharie County and Esperance Town records · APN 433089 47.-3-23

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	274 JUNCTION RD, HOWES CAVE, NY 12092-3302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2025	Deed of Trust, Mortgage · ARM FIRST NEW YORK FCU
Sep 18, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST NEW YORK FCU
Oct 23, 2018	Deed of Trust, Mortgage NATIONAL BANK OF COXSACKIE
Apr 18, 2017	Deed, Transfer NOT AVAILABLE, THERESE WRIGHT

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 18, 2017 · Amount on Record
Deed Sale	Apr 18, 2017 · Amount on Record
Prior Sale	Jul 28, 2003 · Amount on Record
Deed Book / Page	1042 / 205
Prior Transfer Date	Aug 24, 2009
Prior Transfer Doc	0000000887/000000015
Record Updated	Jun 08, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	274 JUNCTION RD, HOWES CAVE, NY 12092-3302
Transaction Type	Mortgage
Record Updated	Mar 13, 2026
Title Company	MISC COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	002106/249
Date	Feb 26, 2025
Book Page	2106/249
Instrument	827958

Lender

Name	FIRST NEW YORK FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Mar 01, 2035
Index	Other
Margin	3

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	274 JUNCTION RD, HOWES CAVE, NY 12092-3302
Transaction Type	Mortgage
Record Updated	Apr 09, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1895/7
Date	Sep 18, 2020
Book Page	1895/7
Instrument	779336

Lender

Name	FIRST NEW YORK FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2050

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	274 JUNCTION RD, HOWES CAVE, NY 12092-3302
Transaction Type	Mortgage
Record Updated	Apr 09, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001819/0000000093
Date	Oct 23, 2018
Book Page	0000001819/0000000093
Instrument	000000752187

Lender

Name	NATIONAL BANK OF COXSACKIE
Type	Bank

Agreement

Amount	Amount Recorded
Term	363 Months
Due	Jan 01, 2049

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Apr 18, 2017
Property Address	274 JUNCTION RD, HOWES CAVE, NY 12092-3302
Document Number	0000001042/0000000205
Book / Page	0000001042 / 0000000205
Instrument Date	Apr 04, 2017
Transaction Type	Transfer
Record Updated	May 12, 2022
Title Company	NOT AVAILABLE, THERESE WRIGHT

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	419 CAMPBELL RD, MIDDLEBURGH, NY 12122-3621

Tax Assessment & Valuation

Source: Schoharie County and Esperance Town records · Assessment roll updated May 14, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	New York
County	Schoharie County
County Subdivision	Esperance Town
Unified School District	Schoharie Central School District (PK - 12)

Tax Bill & Assessment History

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	$6,785.00 (+155.84%)	$186,800 (-) Land $49,000 Building $137,800	$301,290 (+7.11%) Land $79,032 Building $222,258
2023		$186,800 (-) Land $49,000 Building $137,800	$281,283 (+15.19%) Land $73,784 Building $207,499
2022		$186,800 Land $49,000 Building $137,800	$244,183 Land $64,052 Building $180,131
2021	$2,652.00 (-59.65%)
2020	$6,573.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schoharie County (36095C), updated February 16, 2012 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360957401001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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, river or lake flooding, Hurricane Irene
Claims By Storm	Hurricane Irene, Aug 2011 · 7 claims Severe Storms And Flooding, Apr 2005 · 5 claims Flooding, Apr 1987 · 3 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 29 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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