281 Caverns Rd, Howes Cave, NY 12092 Property Records

Schoharie County and Cobleskill Town property record for 281 Caverns Rd, Howes Cave, NY 12092 · Last verified May 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 1979
Square Footage	2,640 sqft Living Area
Lot Size	175,111 sqft (4.02 acres)
Garage	Attached, 780 sqft
Last Sale	$175,000 (2010)
Tax Bill	$7,202.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`432689 57.-5-8`
Alternative APNs	`268905700000050080000000` `435J177034`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,640 sqft Living Area
1st Floor	1,740 sqft 1st Floor
Basement Area	900 sqft Basement
Finished Basement	900 sqft Finished
Stories	1 Stories

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Split Level Style
Exterior Material	Wood Exterior
Lot Area	175,111 sqft (4.02 acres)
Lot Width	259 ft Width
Parking Spaces	3 Parking Spaces
Garage Type	Attached Garage
Garage Area	780 sqft Garage
Porch Area	952 sqft Porch

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	435J177034
Street Address	281 CAVERNS RD
City	HOWES CAVE
State	NY
Zip	12092-1812
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	VL
Legal Block	5
Legal Lot Number	8.000
Jurisdiction	SCHOHARIE NY
Minor Civil Division	COBLESKILL
Census Blockgroup	2
Census Block	2024
Census Tract	740200

Owner

Source: Schoharie County and Cobleskill Town records · APN 432689 57.-5-8

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	PO BOX 640, COBLESKILL, NY 12043-0640
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 09, 2010 · Amount on Record
Deed Sale	Nov 09, 2010 · Amount on Record
Deed Book / Page	908 / 58
Prior Transfer Date	Oct 21, 2010
Prior Transfer Doc	0000000908/000000005
Record Refreshed	Jun 08, 2026

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 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	$7,202.00 (+11.71%)	$158,500 (-) Land $18,600 Building $139,900	$323,469 (+16.33%) Land $37,959 Building $285,510
2023		$158,500 Land $18,600 Building $139,900	$278,070 Land $32,632 Building $245,438
2020	$6,447.00

Flood & Wildfire

281 Caverns Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

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

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

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

Wildfire Risk to Homes	Low 20th percentile of exposed land nationally · 55th in New York
Wildfire Likelihood	Low — about 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.