Schoharie County and Schoharie Town property record for 3541 State Rte 7, Howes Cave, NY 12092
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,674 sqft · built 1998 |
| Lot Size | 20.3 acres (885,575 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $8,880 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 434289 47.-6-2.1 |
| Primary APN | 434289 47.-6-2.1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,674 sqft Living Area |
| 1st Floor Area | 1,674 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 885,575 sqft (20.3 acres) |
| Lot Width | 985 ft Width |
| Garage Type | Detached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 464 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 515J101500 |
|---|---|
| Street Address | 3541 STATE ROUTE 7 |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092-2607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | A |
| Legal Block | 6 |
| Legal Lot Number | 2.001 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | SCHOHARIE |
| Census Block Group | 4 |
| Census Block | 4021 |
| Census Tract | 740100 |
3541 State Rte 7, a rural home, is owned and occupied by two individuals.
Source: Schoharie County and Schoharie Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3541 STATE ROUTE 7, HOWES CAVE, NY 12092-2607 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 3541 State Rte 7 was $8,880 with exemptions applied, up 3.8% from the year before.
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 | $8,880.00 (+3.79%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $8,556.00 | $235,000 Land $75,000 Building $160,000 | $379,032 Land $120,968 Building $258,064 |
| 2023 | $235,000 Land $75,000 Building $160,000 | $353,862 Land $112,935 Building $240,927 | |
| 2020 | $6,181.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3541 State Rte 7 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
Wildfire risk around 3541 State Rte 7 is low, with a 0.01% annual chance of 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CENTRAL BRIDGE WATER DISTRICT serves 560 people · EPA ID NY4700093 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | 1 ppb (2026) action level 15 ppb |
| Copper | 1.6 mg/L (2024) action level 1.3 mg/L |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
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 |
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