Schoharie County and Schoharie Town property record for 322 Howes Cave Rd, Howes Cave, NY 12092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,576 sqft · built 1870 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $70,000 (Jan 2020) |
| Tax Bill | $3,136 (2026) |
| Deeds & Mortgages | May 2022 Line of Credit Jan 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 434289 58.-4-5 |
| Primary APN | 434289 58.-4-5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,576 sqft Living Area |
| 1st Floor Area | 788 sqft |
| 2nd Floor Area | 788 sqft |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1870 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 13,068 sqft (0.3 acres) |
| Lot Dimensions | 125 ft deep x 90 ft wide |
| Garage Type | Detached |
| Porch | Slab |
| Porch Area | 336 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 515J100742 |
|---|---|
| Street Address | 322 HOWES CAVE RD |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092-1805 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Block | 4 |
| Legal Lot Number | 5.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | SCHOHARIE |
| Census Block Group | 4 |
| Census Block | 4040 |
| Census Tract | 740100 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 322 HOWES CAVE RD, HOWES CAVE, NY 12092-1805 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 23, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Jan 30, 2020 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 30, 2020 · Amount on Record |
| Deed Sale | Jan 30, 2020 · Amount on Record |
| Prior Sale | Jul 27, 2011 · Amount on Record |
| Deed Document Number | 2020772735 |
| Deed Book / Page | 1107 / 86 |
| Prior Transfer Date | Dec 9, 2005 |
| Prior Transfer Doc | 0000000802/000000005 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 322 HOWES CAVE RD, HOWES CAVE, NY 12092-1805 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001996/83 |
|---|---|
| Date | May 23, 2022 |
| Book Page | 1996/83 |
| Instrument | 810652 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jun 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Jan 30, 2020 |
| Property Address | 322 HOWES CAVE RD, HOWES CAVE, NY 12092-1805 |
| Document Number | 0001107/86 |
| Book / Page | 1107 / 86 |
| Instrument Date | Jan 27, 2020 |
| Instrument | 772735 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 322 HOWES CAVE RD, HOWES CAVE, NY 12092-1805 |
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 | $3,136.00 (-0.63%) | ||
| 2025 | $3,156.00 | $79,000 (-) Land $5,900 Building $73,100 | $127,419 (+7.11%) Land $9,516 Building $117,903 |
| 2023 | $79,000 (-) Land $5,900 Building $73,100 | $118,958 (+15.19%) Land $8,884 Building $110,074 | |
| 2022 | $79,000 Land $5,900 Building $73,100 | $103,268 Land $7,712 Building $95,556 | |
| 2020 | $3,107.00 |
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 |
|---|---|
| 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 24 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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