3136 State Rte 7, Howes Cave, NY 12092 Property Records

Schoharie County and Schoharie Town property record for 3136 State Rte 7, Howes Cave, NY 12092

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1985
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Last Sale	$47,000 (Jan 2020)
Tax Bill	$3,567 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Jan 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`434289 58.-6-17`

Property Details

APN / Parcel Number

Primary APN	`434289 58.-6-17`
Alternative APNs	`428905800000060170000000` `515J174034`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Basement
Porch	Slab
Porch Area	336 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	515J174034
Street Address	3136 STATE ROUTE 7
City	HOWES CAVE
State	NY
Zip	12092-2504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	6
Legal Lot Number	17.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	SCHOHARIE
Census Block Group	4
Census Block	4048
Census Tract	740100

Owner

Source: Schoharie County and Schoharie Town assessment roll, APN 434289 58.-6-17, as of 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 Record	Individual Name on File
Mailing Address	PO BOX 702, MIDDLEBURGH, NY 12122-0702
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOAN INC
Jan 15, 2020	Deed, Transfer
Jul 29, 2019	Deed in Lieu of Foreclosure, Foreclosure

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 15, 2020 · Amount on Record
Deed Sale	Jan 15, 2020 · Amount on Record
Prior Sale	Jul 29, 2019 · Amount on Record
Deed Document Number	2020772355
Deed Book / Page	1106 / 163
Record Updated	Jun 08, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	3136 STATE ROUTE 7, HOWES CAVE, NY 12092-2504
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001782/0000000074
Date	Nov 29, 2017
Book Page	0000001782/0000000074
Instrument	000000728626

Lender

Name	QUICKEN LOAN INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Jan 01, 2047

January 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Jan 15, 2020
Property Address	3136 STATE ROUTE 7, HOWES CAVE, NY 12092-2504
Document Number	001106/163
Book / Page	1106 / 163
Instrument Date	Dec 23, 2019
Instrument	772355
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 702, MIDDLEBURGH, NY 12122-0702

July 2019: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	SCHOHARIE NY
Recording Date	Jul 29, 2019
Property Address	3136 STATE ROUTE 7, HOWES CAVE, NY 12092-2504
Document Number	001096/207
Book / Page	1096 / 207
Instrument Date	Jul 03, 2019
Instrument	765156
Transaction Type	Foreclosure
Record Updated	May 12, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	365 WOODWARD AVE, DETROIT, MI 48226-3473

Tax Assessment & Valuation

Source: Schoharie County and Schoharie Town assessment roll as of May 14, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	New York
County	Schoharie County
County Subdivision	Schoharie Town
Unified School District	Cobleskill-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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,567.00 (+1.57%)	$89,300 (-) Land $2,600 Building $86,700	$144,032 (+7.11%) Land $4,194 Building $139,838
2023		$89,300 Land $2,600 Building $86,700	$134,468 Land $3,915 Building $130,553
2020	$3,512.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schoharie County (36095C), as of February 16, 2012 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360957401004, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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	Hurricane Irene, Aug 2011 · 16 claims Severe Storms And Flooding, Jan 1996 · 2 claims Flooding, Apr 1987 · 2 claims

Wildfire

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 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, 33 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: The Middleburgh Telephone Company.

Nearby Properties on State Rte 7

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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