320 Howes Cave Rd, Howes Cave, NY 12092 Property Records

Schoharie County and Schoharie Town property record for 320 Howes Cave Rd, Howes Cave, NY 12092 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,900 sqft · built 1880
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,791 (2025)
Deeds & Mortgages	Dec 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`434289 58.-4-4`

Property Details

APN / Parcel Number

Primary APN	`434289 58.-4-4`
Alternative APNs	`428905800000040040000000` `515J100193`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,900 sqft Living Area
1st Floor Area	950 sqft
2nd Floor Area	950 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	125 ft deep x 90 ft wide
Porch	Slab
Porch Area	344 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	515J100193
Street Address	320 HOWES CAVE RD
City	HOWES CAVE
State	NY
Zip	12092-1805
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	4
Legal Lot Number	4.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	SCHOHARIE
Census Block Group	4
Census Block	4040
Census Tract	740100

Owner

Source: Schoharie County and Schoharie Town records · APN 434289 58.-4-4

Assessment roll updated 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	2 Individual Names on File
Mailing Address	320 HOWES CAVE RD, HOWES CAVE, NY 12092-1805
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Jun 08, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	320 HOWES CAVE RD, HOWES CAVE, NY 12092-1805
Transaction Type	Mortgage
Record Updated	Jan 04, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1909/232
Date	Dec 18, 2020
Book Page	1909/232
Instrument	782922

Lender

Name	SCHOHARIE CNTY RURAL

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Schoharie County and Schoharie Town records · Assessment roll updated 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	$2,791.00 (+167.85%)	$78,000 (-) Land $5,900 Building $72,100	$125,806 (+7.11%) Land $9,516 Building $116,290
2023		$78,000 Land $5,900 Building $72,100	$117,452 Land $8,884 Building $108,568
2020	$1,042.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schoharie County (36095C), updated February 16, 2012 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360957401004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	3 in force
Nearby Flood Claims	20 (1987–2011)
Claims Outside the SFHA	4 of 20
Most Recent Claim	Aug 2011, river or lake flooding, Hurricane Irene
Claims By Storm	Hurricane Irene, Aug 2011 · 16 claims Severe Storms And Flooding, Jan 1996 · 2 claims Flooding, Apr 1987 · 2 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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, availability as of December 31, 2025 · Published October 2026 · based on 24 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: The Middleburgh Telephone Company. Availability varies by address; speeds are provider-advertised maximums, not measured.