Schoharie County and Schoharie Town property record for 3066 State Rte 7, Howes Cave, NY 12092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,380 sqft · built 2000 |
| Lot Size | 7.4 acres (322,344 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $234,000 (Sep 2006) |
| Tax Bill | $8,903 (2026) |
| Deeds & Mortgages | Nov 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 434289 58.-5-15.21 |
| Primary APN | 434289 58.-5-15.21 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,380 sqft Living Area |
| 1st Floor Area | 2,380 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 322,344 sqft (7.4 acres) |
| Lot Width | 348 ft Width |
| Garage Type | Basement |
| Porch | Slab |
| Porch Area | 260 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 515J196003 |
|---|---|
| Street Address | 3066 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 | 15.021 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | SCHOHARIE |
| Census Block Group | 4 |
| Census Block | 4047 |
| Census Tract | 740100 |
3066 State Rte 7 is owned and occupied by two individuals who bought it in September 2006.
Source: Schoharie County and Schoharie Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3066 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 |
|---|---|
| Last Sale | Sep 20, 2006 · Amount on File |
| Deed Sale | Sep 20, 2006 · Amount on File |
| Deed Book / Page | 820 / 150 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 3066 STATE ROUTE 7, HOWES CAVE, NY 12092-2501 |
| Transaction Type | Mortgage |
| Record Updated | Nov 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1962/88 |
|---|---|
| Date | Nov 4, 2021 |
| Book Page | 1962/88 |
| Instrument | 798005 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Dec 1, 2036 |
The 2026 property tax bill for 3066 State Rte 7 was $8,903 with a homeowner's exemption, 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 | $8,903.00 (-0.64%) Homeowner's exemption | ||
| 2025 | $8,960.00 | $224,300 Land $21,000 Building $203,300 | $361,774 Land $33,871 Building $327,903 |
| 2023 | $224,300 Land $21,000 Building $203,300 | $337,750 Land $31,622 Building $306,128 | |
| 2020 | $12,835.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3066 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 3066 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 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.
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