3386 State Rte 7, Howes Cave, NY 12092 Property Records

Schoharie County and Schoharie Town property record for 3386 State Rte 7, Howes Cave, NY 12092

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,700 sqft · built 1900
Lot Size	2.52 acres (109,771 sqft)
Owner	2 Individual Names on Record
Last Sale	$124,569 (Jan 2008)
Tax Bill	$4,501 (2026)
Deeds & Mortgages	Feb 2022 Refinance Feb 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`434289 59.-1-13.2`

Property Details

APN / Parcel Number

Primary APN	`434289 59.-1-13.2`
Alternative APNs	`428905900000010130020000` `515J197005`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,700 sqft Living Area
1st Floor Area	1,440 sqft
2nd Floor Area	1,260 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	109,771 sqft (2.52 acres)
Lot Width	644 ft Width
Porch	Slab
Porch Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	515J197005
Street Address	3386 STATE ROUTE 7
City	HOWES CAVE
State	NY
Zip	12092-2602
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	1
Legal Lot Number	13.002
Jurisdiction	SCHOHARIE NY
Township / Civil Division	SCHOHARIE
Census Block Group	4
Census Block	4024
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	2 Individual Names on Record
Mailing Address	3386 STATE ROUTE 7, HOWES CAVE, NY 12092-2602
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance SUNMARK FCU
Feb 11, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2008 · Amount on Record
Deed Sale	Jan 29, 2008 · Amount on Record
Deed Book / Page	853 / 293
Last Transfer Date	Feb 3, 2022
Transfer Doc	001157/127
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	3386 STATE ROUTE 7, HOWES CAVE, NY 12092-2602
Transaction Type	Mortgage
Record Updated	Mar 19, 2024
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001980/164
Date	Feb 11, 2022
Book Page	1980/164
Instrument	805290

Lender

Name	SUNMARK FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2037

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Feb 11, 2022
Property Address	3386 STATE ROUTE 7, HOWES CAVE, NY 12092-2602
Document Number	001157/127
Book / Page	1157 / 127
Instrument Date	Feb 3, 2022
Instrument	805282
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3386 STATE ROUTE 7, HOWES CAVE, NY 12092-2602

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	Schoharie Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,501.00 (+3.83%) Homeowner's exemption
2025	$4,335.00 (+132.19%)	$110,000 (-) Land $14,000 Building $96,000	$177,419 (+7.11%) Land $22,581 Building $154,838
2023		$110,000 (-) Land $14,000 Building $96,000	$165,638 (+15.19%) Land $21,081 Building $144,557
2022		$110,000 Land $14,000 Building $96,000	$143,791 Land $18,301 Building $125,490
2021	$1,867.00 (-49.84%)
2020	$3,722.00

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
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 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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