3625 State Rte 7, Howes Cave, NY 12092 Property Records

Schoharie County and Schoharie Town property record for 3625 State Rte 7, Howes Cave, NY 12092

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 800 sqft · built 1859
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,377 (2026)
Deeds & Mortgages	Aug 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`434289 47.-5-23`

Property Details

APN / Parcel Number

Primary APN	`434289 47.-5-23`
Alternative APNs	`428904700000050230000000` `515J100232`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	800 sqft Living Area
1st Floor Area	800 sqft

Exterior

Year Built	Built 1859
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	150 ft deep x 57 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	510 sqft
Shed	1 Shed
Shed Area	450 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	515J100232
Street Address	3625 STATE ROUTE 7
City	HOWES CAVE
State	NY
Zip	12092-2801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Block	5
Legal Lot Number	23.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	SCHOHARIE
Census Block Group	4
Census Block	4005
Census Tract	740100

Owner

3625 State Rte 7 is owned and occupied by two individuals who acquired it in August 2017.

Source: Schoharie County and Schoharie Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3625 STATE ROUTE 7, HOWES CAVE, NY 12092-2801
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 29, 2017
Transfer Doc	0000001052/000000010
Record Updated	Oct 29, 2026

August 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SCHOHARIE NY
Recording Date	Aug 29, 2017
Property Address	3625 STATE ROUTE 7, HOWES CAVE, NY 12092-2801
Document Number	0000001052/0000000100
Book / Page	0000001052 / 0000000100
Instrument Date	Aug 29, 2017
Transaction Type	Transfer
Record Updated	May 12, 2022
Title Company	NONE

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
Address	3625 STATE ROUTE 7, HOWES CAVE, NY 12092-2801

Tax Assessment & Valuation

The 2026 property tax bill for 3625 State Rte 7 was $2,377, up 4.2% from the year before.

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	$2,377.00 (+4.21%)
2025	$2,281.00	$57,000 Land $7,000 Building $50,000	$91,935 Land $11,290 Building $80,645
2023		$57,000 (-) Land $7,000 Building $50,000	$85,830 (+15.19%) Land $10,541 Building $75,289
2022		$57,000 Land $7,000 Building $50,000	$74,510 Land $9,150 Building $65,360
2021	$999.00 (-73.15%)
2020	$3,721.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3625 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	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

Wildfire risk around 3625 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.

Internet Providers

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