320 Junction Rd, Howes Cave, NY 12092 Property Records

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

Property Highlights

Property Type	Commercial > Retail > Auto Repair, Garage
Bedrooms	2 Beds
Bathrooms	2 Baths
Year Built	Built 1990
Square Footage	3,984 sqft Gross Area
Lot Size	174,240 sqft (4 acres)
Garage	Basement
Occupancy	Owner Occupied
Tax Bill	$6,847.00 (2025)

Owner

Source: Schoharie County and Esperance Town records · APN 433089 47.-3-25

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 JUNCTION RD, HOWES CAVE, NY 12092-3306
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

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

Tax Assessment & Valuation

Source: Schoharie County and Esperance Town records · Assessment roll updated May 14, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	New York
County	Schoharie County
County Subdivision	Esperance Town
Unified School District	Schoharie 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	$6,847.00 (+155.87%)	$188,500 (-) Land $15,000 Building $173,500	$304,032 (+7.11%) Land $24,194 Building $279,838
2023		$188,500 (-) Land $15,000 Building $173,500	$283,843 (+15.19%) Land $22,587 Building $261,256
2022		$188,500 Land $15,000 Building $173,500	$246,405 Land $19,608 Building $226,797
2021	$2,676.00 (-57.7%)
2020	$6,326.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schoharie County (36095C), updated February 16, 2012 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

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; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`433089 47.-3-25`
Alternative APNs	`308904700000030250000000` `455J177072`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	3,984 sqft Gross Area
1st Floor	2,400 sqft 1st Floor
Stories	1 Stories
Overhead Door	Overhead Door

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1990
Architectural Style	Ranch Style
Exterior Material	Aluminum/Vinyl Exterior
Lot Area	174,240 sqft (4 acres)
Lot Width	300 ft Width
Garage Type	Basement Garage

Exterior Amenities

Total Buildings	2 Total Buildings
Shed	1 Shed
Porch	1 Porch
Porch Area	512 sqft Porch

Utilities and HVAC

Sewage	Septic Sewage
Water Source	Well Water Source

Location & Zoning

Account Number	455J177072
Street Address	320 JUNCTION RD
City	HOWES CAVE
State	NY
Zip	12092-3306
Property Usage	Commercial Property Usage
Type	Commercial > Retail > Auto Repair, Garage
Legal Block	3
Legal Lot Number	25.000
Jurisdiction	SCHOHARIE NY
Minor Civil Division	ESPERANCE
Census Blockgroup	1
Census Block	1038
Census Tract	740100