Schoharie County and Schoharie Town property record for 3040 State Rte 7, Howes Cave, NY 12092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,820 sqft · built 1977 |
| Lot Size | 1.2 acres (52,272 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $35,000 (Jan 2008) |
| Tax Bill | $889 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 434289 58.-5-21 |
| Primary APN | 434289 58.-5-21 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,820 sqft Living Area |
| 1st Floor Area | 1,820 sqft |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Pier/Post & Beam |
| Lot Area | 52,272 sqft (1.2 acres) |
| Lot Width | 400 ft Width |
| Garage Type | Attached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 64 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 515J174039 |
|---|---|
| Street Address | 3040 STATE ROUTE 7 |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092-2501 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Block | 5 |
| Legal Lot Number | 21.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | SCHOHARIE |
| Census Block Group | 4 |
| Census Block | 4047 |
| Census Tract | 740100 |
Source: Schoharie County and Schoharie Town records, as of October 20, 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 Record |
|---|---|
| Mailing Address | 273 MACARTHUR AVE, 2, COBLESKILL, NY 12043-4612 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 28, 2008 · Amount on Record |
| Deed Sale | Jan 28, 2008 · Amount on Record |
| Deed Book / Page | 853 / 276 |
| Prior Transfer Date | Aug 13, 1999 |
| Prior Transfer Doc | 0659000179 |
| Record Updated | Oct 29, 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 | Cobleskill-Richmondville Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $889.00 (-0.67%) | ||
| 2025 | $895.00 (-5%) | $22,400 (-) Land $7,250 Building $15,150 | $36,129 (+7.11%) Land $11,694 Building $24,435 |
| 2023 | $22,400 Land $7,250 Building $15,150 | $33,730 Land $10,917 Building $22,813 | |
| 2020 | $1,790.00 |
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 |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 20 (1987–2011) |
| Claims Outside the SFHA | 4 of 20 |
| 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: MIDTEL.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures