Schoharie County and Schoharie Town property record for 3146 State Rte 7, Howes Cave, NY 12092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,364 sqft · built 1940 |
| Lot Size | 3.4 acres (148,104 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $151,000 (Jan 2016) |
| Tax Bill | $5,557 (2026) |
| Deeds & Mortgages | Nov 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 434289 58.-6-19 |
| Primary APN | 434289 58.-6-19 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,364 sqft Living Area |
| 1st Floor Area | 788 sqft |
| Upper Floors Area | 576 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 148,104 sqft (3.4 acres) |
| Lot Width | 300 ft Width |
| Garage Type | Detached |
| Garage Area | 920 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 480 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 515J100659 |
|---|---|
| Street Address | 3146 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 | 19.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | SCHOHARIE |
| Census Block Group | 4 |
| Census Block | 4048 |
| Census Tract | 740100 |
Source: Schoharie County and Schoharie Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3146 STATE ROUTE 7, HOWES CAVE, NY 12092-2504 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 27, 2016 · Amount on Record |
| Deed Sale | Jan 27, 2016 · Amount on Record |
| Deed Book / Page | 1014 / 193 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 3146 STATE ROUTE 7, HOWES CAVE, NY 12092-2504 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1860/236 |
|---|---|
| Date | Nov 26, 2019 |
| Book Page | 1860/236 |
| Instrument | 769891 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2049 |
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 | $5,557.00 (-0.64%) | ||
| 2025 | $5,593.00 (+1.58%) | $140,000 (-) Land $12,800 Building $127,200 | $225,806 (+7.11%) Land $20,645 Building $205,161 |
| 2023 | $140,000 Land $12,800 Building $127,200 | $210,812 Land $19,274 Building $191,538 | |
| 2020 | $5,506.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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 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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