Schoharie County and Schoharie Town property record for 3440 State Rte 7, Howes Cave, NY 12092
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 1,584 sqft · built 1980 |
| Lot Size | 2.49 acres (108,464 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,053 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 434289 59.-1-11 |
| Primary APN | 434289 59.-1-11 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,584 sqft Living Area |
| 1st Floor Area | 1,584 sqft |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 108,464 sqft (2.49 acres) |
| Lot Width | 281 ft Width |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 294 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 515J181021 |
|---|---|
| Street Address | 3440 STATE ROUTE 7 |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Block | 1 |
| Legal Lot Number | 11.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | SCHOHARIE |
| Census Block Group | 4 |
| Census Block | 4024 |
| Census Tract | 740100 |
Source: Schoharie County and Schoharie Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 118, CENTRAL BRIDGE, NY 12035-0118 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Dec 20, 2012 |
| Transfer Doc | 0000000945/000000002 |
| Record Updated | Oct 29, 2026 |
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 | Schoharie Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,053.00 (+3.82%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $4,867.00 (+132.09%) | $123,500 (-) Land $15,000 Building $108,500 | $199,194 (+7.11%) Land $24,194 Building $175,000 |
| 2023 | $123,500 (-) Land $15,000 Building $108,500 | $185,966 (+15.19%) Land $22,587 Building $163,379 | |
| 2022 | $123,500 Land $15,000 Building $108,500 | $161,438 Land $19,608 Building $141,830 | |
| 2021 | $2,097.00 (-41.23%) | ||
| 2020 | $3,568.00 |
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 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.
5G (outdoors only) and 4G LTE
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