1. Home
  2. New York
  3. Schoharie County
  4. Howes Cave
  5. Caverns Rd

309 Caverns Rd, Howes Cave, NY 12092 Property Records

Schoharie County and Cobleskill Town property record for 309 Caverns Rd, Howes Cave, NY 12092 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 1.5 ba · 2,128 sqft · built 1988
Lot Size2.32 acres (101,059 sqft)
Owner2 Company Names on File
Tax Bill$5,684 (2025)
Deeds & MortgagesFeb 2022 Sale
Sep 2021 Line of Credit
Flood ZoneZone X (minimal risk)
APN432689 57.-5-7

Property Details

APN / Parcel Number

Primary APN432689 57.-5-7
Alternative APNs
  • 268905700000050070000000
  • 435J176022

Interior

Bedrooms4 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,128 sqft Living Area
1st Floor Area1,064 sqft
2nd Floor Area1,064 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 1988
Architectural StyleRustic
Exterior MaterialWood
Lot Area101,059 sqft (2.32 acres)
Lot Width551 ft Width
Garage TypeDetached
Garage Area624 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area132 sqft

Utilities, Heating & Cooling

Heating FuelElectric
SewerSeptic
Water SourceWell

Location & Zoning

Account Number435J176022
Street Address309 CAVERNS RD
CityHOWES CAVE
StateNY
Zip12092-1814
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOG HSE/GAR
Legal Block5
Legal Lot Number7.000
JurisdictionSCHOHARIE NY
Township / Civil DivisionCOBLESKILL
Census Block Group2
Census Block2024
Census Tract740200

Owner

Source: Schoharie County and Cobleskill Town records · APN 432689 57.-5-7

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 Record2 Company Names on File
Mailing Address309 CAVERNS RD, HOWES CAVE, NY 12092-1814
OccupancyOwner Occupied
Owner TypeCompany
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Feb 01, 2022Deed, Transfer
Sep 28, 2021Deed of Trust, Mortgage · Line of Credit
FIRST NEW YORK FCU

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last Transfer DateJan 28, 2022
Transfer Doc001156/222
Record UpdatedJun 08, 2026

February 2022: Deed, Transfer

Document TypeDeed
JurisdictionSCHOHARIE NY
Recording DateFeb 01, 2022
Property Address309 CAVERNS RD, HOWES CAVE, NY 12092-1814
Document Number001156/222
Book / Page1156 / 222
Instrument DateJan 28, 2022
Instrument804826
Transaction TypeTransfer
Record UpdatedNov 15, 2022

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address309 CAVERNS RD, HOWES CAVE, NY 12092-1814

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHOHARIE NY
Property Address309 CAVERNS RD, HOWES CAVE, NY 12092-1814
Transaction TypeMortgage
Record UpdatedOct 19, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number1955/228
DateSep 28, 2021
Book Page1955/228
Instrument796414
Lender
NameFIRST NEW YORK FCU
TypeCredit Union
Agreement
TypeLine of Credit
AmountAmount Recorded
Term121 Months
DueOct 01, 2031
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Schoharie County and Cobleskill Town records · Assessment roll updated May 14, 2026 · Last verified May 2026

Property Jurisdictions

TypeName
StateNew York
CountySchoharie County
County SubdivisionCobleskill Town
Unified School DistrictCobleskill-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.

YearTax BillAssessed ValueAssessed Market Value
2025$5,684.00 (+29.01%)$125,100 (-) Land $14,300 Building $110,800$255,306 (+16.33%) Land $29,184 Building $226,122
2023$125,100 Land $14,300 Building $110,800$219,474 Land $25,088 Building $194,386
2020$4,406.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schoharie County (36095C), updated February 16, 2012 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360957402002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Nearby Flood Policies5 in force
Nearby Flood Claims6 (1996–2011)
Claims Outside the SFHA1 of 6
Most Recent ClaimSep 2011, river or lake flooding, Remnants Of Tropical Storm Lee
Claims By Storm
  • Remnants Of Tropical Storm Lee, Sep 2011 · 2 claims
  • Hurricane Irene, Sep 2011 · 3 claims

Wildfire

Wildfire RiskLow
above 20% of the US · above 55% of New York
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 15 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 35
The Middleburgh Telephone CompanyFiber500 / 100
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Caverns Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures