Schoharie County and Schoharie Town property record for 3062 State Rte 7, Howes Cave, NY 12092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,184 sqft · built 1970 |
| Lot Size | 6 acres (261,360 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $8,812 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 434289 58.-5-17 |
| Primary APN | 434289 58.-5-17 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,184 sqft Living Area |
| 1st Floor Area | 1,400 sqft |
| Basement Area | 784 sqft |
| Finished Basement | 784 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood |
| Lot Area | 261,360 sqft (6 acres) |
| Lot Width | 305 ft Width |
| Garage Type | Basement |
| Porch | Slab |
| Porch Area | 1,432 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 515J184011 |
|---|---|
| Street Address | 3062 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 | 17.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | SCHOHARIE |
| Census Block Group | 4 |
| Census Block | 4047 |
| Census Tract | 740100 |
3062 State Rte 7 is owned and occupied by two individuals.
Source: Schoharie County and Schoharie Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3062 STATE ROUTE 7, HOWES CAVE, NY 12092-2501 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 3062 State Rte 7 was $8,812 with exemptions applied, down 0.6% from the year before.
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 | $8,812.00 (-0.64%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $8,869.00 | $222,000 Land $18,300 Building $203,700 | $358,065 Land $29,516 Building $328,549 |
| 2023 | $222,000 Land $18,300 Building $203,700 | $334,287 Land $27,556 Building $306,731 | |
| 2020 | $8,125.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3062 State Rte 7 in Zone X, an area of minimal flood risk, though there have been 20 flood claims nearby since 1987.
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 |
|---|---|
| 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.
Wildfire risk around 3062 State Rte 7 is low, with a 0.01% annual chance of wildfire.
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, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| MIDTEL Fiber | 500 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Spectrum.
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