3164 State Rte 7, Howes Cave, NY 12092 Property Records

Schoharie County and Schoharie Town property record for 3164 State Rte 7, Howes Cave, NY 12092

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,984 sqft · built 1958
Lot Size	5.4 acres (235,224 sqft)
Owner	2 Individual Names on File
Last Sale	$165,000 (Nov 2020)
Tax Bill	$5,851 (2026)
Deeds & Mortgages	Apr 2024 Line of Credit Sep 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`434289 58.-6-21`

Property Details

APN / Parcel Number

Primary APN	`434289 58.-6-21`
Alternative APNs	`428905800000060210000000` `515J100600`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,984 sqft Living Area
1st Floor Area	1,984 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	235,224 sqft (5.4 acres)
Lot Width	460 ft Width
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	515J100600
Street Address	3164 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	21.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	SCHOHARIE
Census Block Group	4
Census Block	4048
Census Tract	740100

Owner

3164 State Rte 7 is owned and occupied by two individuals who bought it in November 2020.

Source: Schoharie County and Schoharie Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3164 STATE ROUTE 7, HOWES CAVE, NY 12092-2504
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2024	Deed of Trust, Mortgage · Line of Credit BROADVIEW FEDERAL CREDIT UNION
Sep 8, 2022	Deed, Transfer
Nov 10, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage STATE EMPLOYEES FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2020 · Amount on File
Deed Sale	Nov 10, 2020 · Amount on File
Prior Sale	Apr 22, 2010 · Amount on File
Deed Document Number	2020781830
Deed Book / Page	1124 / 75
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	3164 STATE ROUTE 7, HOWES CAVE, NY 12092-2504
Transaction Type	Mortgage
Record Updated	Apr 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002072/27
Date	Apr 1, 2024
Book Page	2072/27
Instrument	824761

Lender

Name	BROADVIEW FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	May 1, 2034

Interest

Rate Type	Adjustable Rate

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Sep 8, 2022
Property Address	3164 STATE ROUTE 7, HOWES CAVE, NY 12092-2504
Document Number	001173/212
Book / Page	1173 / 212
Instrument Date	Aug 17, 2022
Instrument	816395
Transaction Type	Transfer
Record Updated	Mar 19, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3164 STATE ROUTE 7, HOWES CAVE, NY 12092-2504

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Nov 10, 2020
Property Address	3164 STATE ROUTE 7, HOWES CAVE, NY 12092-2504
Document Number	0001124/75
Book / Page	1124 / 75
Instrument Date	Oct 16, 2020
Instrument	781830
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Relationship	Tenants by the Entirety
Address	DISCOVERY DR, HOWES CAVE, NY 12092

Mortgage

Document Number	001903/137
Date	Nov 10, 2020
Book Page	1903/137
Instrument	781832

Lender

Name	STATE EMPLOYEES FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 3164 State Rte 7 was $5,851, down 0.6% from the year before.

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	$5,851.00 (-0.63%)
2025	$5,888.00	$147,400 Land $35,000 Building $112,400	$237,742 Land $56,452 Building $181,290
2023		$147,400 Land $35,000 Building $112,400	$221,955 Land $52,703 Building $169,252
2020	$5,096.00

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

Flood

FEMA maps place 3164 State Rte 7 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 3164 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.

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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