Schoharie County and Schoharie Town property record for 3574 State Rte 7, Howes Cave, NY 12092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 2,169 sqft · built 1880 |
| Lot Size | 6.1 acres (265,716 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,501 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 434289 47.-6-30 |
| Primary APN | 434289 47.-6-30 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,169 sqft Living Area |
| 1st Floor Area | 1,195 sqft |
| 2nd Floor Area | 672 sqft |
| Upper Floors Area | 302 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 265,716 sqft (6.1 acres) |
| Lot Width | 930 ft Width |
| Porch | Slab |
| Porch Area | 280 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 515J186009 |
|---|---|
| Street Address | 3574 STATE ROUTE 7 |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 6 |
| Legal Lot Number | 30.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | SCHOHARIE |
| Census Block Group | 4 |
| Census Block | 4024 |
| Census Tract | 740100 |
3574 State Rte 7, a single family home, is owned by two individuals.
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 357, CENTRAL BRIDGE, NY 12035-0357 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 3574 State Rte 7 was $4,501, 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 | $4,501.00 (+3.83%) | ||
| 2025 | $4,335.00 | $110,000 Land $30,000 Building $80,000 | $177,419 Land $48,387 Building $129,032 |
| 2023 | $110,000 (-) Land $16,800 Building $93,200 | $165,638 (+15.19%) Land $25,297 Building $140,341 | |
| 2022 | $110,000 Land $16,800 Building $93,200 | $143,791 Land $21,961 Building $121,830 | |
| 2021 | $1,867.00 (-57.36%) | ||
| 2020 | $4,379.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3574 State Rte 7 in Zone X, an area of minimal flood risk, though there have been 20 flood claims nearby since 1987.
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.
Wildfire risk around 3574 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: FCC Broadband Data Collection, based on 62 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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