Schoharie County and Schoharie Town property record for 284 Smith Rd, Howes Cave, NY 12092
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 1 ba · 432 sqft · built 2015 |
| Lot Size | 18.2 acres (792,792 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $27,000 (Mar 2013) |
| Tax Bill | $2,081 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 434289 59.-4-11 |
| Primary APN | 434289 59.-4-11 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 432 sqft Living Area |
| 1st Floor Area | 432 sqft |
| Upper Floors Area | 1,056 sqft |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Other |
| Exterior Material | Wood |
| Lot Area | 792,792 sqft (18.2 acres) |
| Lot Width | 170 ft Width |
| Garage Type | Detached |
| Garage Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | HVAC |
|---|---|
| Heating Fuel | Wood |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 515J100625 |
|---|---|
| Street Address | 284 SMITH RD |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092-2702 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Local Zoning Code | R1 |
| Legal Block | 4 |
| Legal Lot Number | 11.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | SCHOHARIE |
| Census Block Group | 5 |
| Census Block | 5037 |
| Census Tract | 740100 |
Source: Schoharie County and Schoharie Town records, as of May 14, 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 Record |
|---|---|
| Mailing Address | 284 SMITH RD, HOWES CAVE, NY 12092-2702 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 4, 2013 · Amount on Record |
| Deed Sale | Mar 4, 2013 · Amount on Record |
| Deed Book / Page | 948 / 192 |
| Record Updated | Jun 8, 2026 |
Source: Schoharie County and Schoharie Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Schoharie Town |
| Unified School District | Schoharie Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,081.00 (+145.11%) | $52,800 (-) Land $25,000 Building $27,800 | $85,161 (+7.11%) Land $40,322 Building $44,839 |
| 2023 | $52,800 (-) Land $25,000 Building $27,800 | $79,506 (+15.19%) Land $37,645 Building $41,861 | |
| 2022 | $52,800 Land $25,000 Building $27,800 | $69,020 Land $32,680 Building $36,340 | |
| 2021 | $849.00 (-57.34%) | ||
| 2020 | $1,990.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective February 16, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 83 policies |
| Nearby Flood Policies | 83 in force |
| Nearby Flood Claims | 84 (1980–2011) |
| Claims Outside the SFHA | 23 of 84 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, as of December 31, 2025
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures