3462 State Rte 7, Howes Cave, NY 12092 Property Records

Schoharie County and Schoharie Town property record for 3462 State Rte 7, Howes Cave, NY 12092

Property Summary

Property Type	Mobile Home
Details	792 sqft · built 1970
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on Record
Last Sale	$25,000 (May 2016)
Tax Bill	$1,199 (2026)
Flood Zone	Zone X (minimal risk)
APN	`434289 59.-1-10`

Property Details

APN / Parcel Number

Primary APN	`434289 59.-1-10`
Alternative APNs	`428905900000010100000000` `515J184003`

Interior

Building Area	792 sqft Living Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Mobile Home
Lot Area	65,340 sqft (1.5 acres)
Lot Width	150 ft Width
Porch	Slab
Porch Area	200 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	515J184003
Street Address	3462 STATE ROUTE 7
City	HOWES CAVE
State	NY
Zip	12092-2604
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	A
Legal Block	1
Legal Lot Number	10.000
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	3462 STATE ROUTE 7, HOWES CAVE, NY 12092-2604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2016 · Amount on Record
Deed Sale	May 19, 2016 · Amount on Record
Prior Sale	Sep 16, 2015 · Amount on Record
Deed Book / Page	1021 / 179
Prior Transfer Date	Jul 16, 2012
Prior Transfer Doc	0000000938/000000006
Record Updated	Oct 29, 2026

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	$1,199.00 (+3.81%)
2025	$1,155.00 (+171.13%)	$29,300 (-) Land $11,500 Building $17,800	$47,258 (+7.11%) Land $18,548 Building $28,710
2023		$29,300 (-) Land $11,500 Building $17,800	$44,120 (+15.19%) Land $17,317 Building $26,803
2022		$29,300 Land $11,500 Building $17,800	$38,301 Land $15,033 Building $23,268
2021	$426.00 (-57.36%)
2020	$999.00

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 18 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