3138 State Rte 7, Howes Cave, NY 12092 Property Records

Schoharie County and Schoharie Town property record for 3138 State Rte 7, Howes Cave, NY 12092

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,056 sqft · built 1990
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on Record
Last Sale	$93,000 (Jul 2016)
Tax Bill	$3,572 (2026)
Deeds & Mortgages	Oct 2019 Refinance Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`434289 58.-6-18`

Property Details

APN / Parcel Number

Primary APN	`434289 58.-6-18`
Alternative APNs	`428905800000060180000000` `515J100736`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,056 sqft Living Area
1st Floor Area	1,056 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	170 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	388 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	515J100736
Street Address	3138 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	18.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	SCHOHARIE
Census Block Group	4
Census Block	4048
Census Tract	740100

Owner

Source: Schoharie County and Schoharie Town 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	3138 STATE ROUTE 7, HOWES CAVE, NY 12092-2504
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance STATE EMPLOYEES FCU
Aug 31, 2020	Deed of Trust, Mortgage · Balloon Mortgage STATE EMPLOYEES FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2016 · Amount on Record
Deed Sale	Jul 14, 2016 · Amount on Record
Prior Sale	Dec 2, 2009 · Amount on Record
Deed Book / Page	1025 / 87
Prior Transfer Date	Feb 24, 2006
Prior Transfer Doc	0000000806/000000023
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	3138 STATE ROUTE 7, HOWES CAVE, NY 12092-2504
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1856/24
Date	Oct 24, 2019
Book Page	1856/24
Instrument	768527

Lender

Name	STATE EMPLOYEES FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	3138 STATE ROUTE 7, HOWES CAVE, NY 12092-2504
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1891/268
Date	Aug 31, 2020
Book Page	1891/268
Instrument	777850

Lender

Name	STATE EMPLOYEES FCU
Type	Credit Union

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

Tax Assessment & Valuation

Source: Schoharie County and Schoharie Town assessment roll, as of May 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,572.00 (-0.64%)
2025	$3,595.00 (+1.55%)	$90,000 (-) Land $6,200 Building $83,800	$145,161 (+7.11%) Land $10,000 Building $135,161
2023		$90,000 Land $6,200 Building $83,800	$135,522 Land $9,336 Building $126,186
2020	$3,540.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 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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