3172 State Rte 7, Howes Cave, NY 12092 Property Records

Schoharie County and Schoharie Town property record for 3172 State Rte 7, Howes Cave, NY 12092

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,380 sqft · built 1935
Lot Size	1.7 acres (74,052 sqft)
Owner	Individual Name on Record
Last Sale	$157,800 (Oct 2022)
Tax Bill	$3,771 (2026)
Deeds & Mortgages	May 2024 Mortgage Nov 2013 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`434289 58.-6-22`

Property Details

APN / Parcel Number

Primary APN	`434289 58.-6-22`
Alternative APNs	`428905800000060220000000` `515J177024`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,380 sqft Living Area
1st Floor Area	920 sqft
Upper Floors Area	460 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Cape Cod
Exterior Material	Wood
Lot Area	74,052 sqft (1.7 acres)
Lot Width	132 ft Width
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	480 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	515J177024
Street Address	3172 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	22.000
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	Individual Name on Record
Mailing Address	7144 STATE ROUTE 10, SHARON SPRINGS, NY 13459-2320
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 29, 2024	Deed of Trust, Mortgage · FHA Mortgage STATE EMPLOYEES FCU
Nov 21, 2013	Deed of Trust, Mortgage FIRST NEW YORK FEDERAL CREDIT UNION
Oct 6, 2022	Deed, Transfer · ARM BROADVIEW FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2022 · Amount on Record
Deed Sale	Oct 6, 2022 · Amount on Record
Deed Document Number	2022818274
Deed Book / Page	1175 / 129
Prior Transfer Date	Jun 23, 2001
Prior Transfer Doc	0697000321
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	3172 STATE ROUTE 7, HOWES CAVE, NY 12092-2504
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002077/205
Date	May 29, 2024
Book Page	2077/205
Instrument	825277

Lender

Name	STATE EMPLOYEES FCU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2054

November 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	3172 STATE ROUTE 7, HOWES CAVE, NY 12092-2504
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001620/0000000237
Date	Nov 21, 2013
Book Page	0000001620/0000000237
Instrument	0000653902

Lender

Name	FIRST NEW YORK FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	170 Months
Due	Jan 1, 2028

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Oct 6, 2022
Property Address	3172 STATE ROUTE 7, HOWES CAVE, NY 12092-2504
Document Number	001175/129
Book / Page	1175 / 129
Instrument Date	Sep 30, 2022
Instrument	818274
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	59 PARK ST # 2, 2, GLOVERSVILLE, NY 12078-4517

Mortgage

Document Number	0000818282
Date	Oct 6, 2022
Instrument	818282

Lender

Name	BROADVIEW FEDERAL CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Oct 1, 2032
Index	1-Year CMT
Margin	2

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	$3,771.00 (-0.63%)
2025	$3,795.00 (+50.83%)	$95,000 (-) Land $12,100 Building $82,900	$153,226 (+7.11%) Land $19,516 Building $133,710
2023		$95,000 Land $12,100 Building $82,900	$143,051 Land $18,220 Building $124,831
2020	$2,516.00

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 93% of the US · lower than 89% of New York
Wildfire Likelihood	Under 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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