Schoharie County and Schoharie Town property record for 3670 State Rte 7, Howes Cave, NY 12092
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 3 bd · 1 ba · 1,200 sqft · built 1951 |
| Lot Size | 0.86 acres (37,462 sqft) |
| Owner | Individual Name on File |
| Last Sale | $75,000 (Dec 2017) |
| Tax Bill | $3,036 (2026) |
| Deeds & Mortgages | Nov 2023 Refinance Jul 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 434289 47.-7-18 |
| Primary APN | 434289 47.-7-18 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,200 sqft Total Area |
| 1st Floor Area | 1,200 sqft |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 37,462 sqft (0.86 acres) |
| Lot Dimensions | 170 ft deep x 250 ft wide |
| Garage Type | Basement |
| Pool Type | Above-Ground Pool |
|---|---|
| Porch | Porch |
| Porch Area | 400 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 515J100093 |
|---|---|
| Street Address | 3670 STATE ROUTE 7 |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092-2804 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Local Zoning Code | A |
| Legal Description | COM & 2 TRAILERS |
| Legal Block | 7 |
| Legal Lot Number | 18.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | SCHOHARIE |
| Census Block Group | 4 |
| Census Block | 4024 |
| Census Tract | 740100 |
3670 State Rte 7, a commercial property, is owned by an individual who bought it in December 2017.
Source: Schoharie County and Schoharie Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3670 STATE ROUTE 7, HOWES CAVE, NY 12092-2804 |
| 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.
| Date | Document |
|---|---|
| Nov 30, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance PIONEER BANK |
| Jul 15, 2022 | Warranty Deed, Transfer · ARM HOMESTEAD FUNDING CORP |
| Dec 6, 2017 | Executor's Deed, Transfer HOMESTEAD FUNDING CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 6, 2017 · Amount on File |
| Deed Sale | Dec 6, 2017 · Amount on File |
| Prior Sale | Dec 6, 2017 · Amount on File |
| Deed Document Number | 2017728967 |
| Deed Book / Page | 1059 / 250 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 3670 STATE ROUTE 7, HOWES CAVE, NY 12092-2804 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2023 |
| Name | Verified Name |
|---|
| Document Number | 002061/114 |
|---|---|
| Date | Nov 30, 2023 |
| Book Page | 2061/114 |
| Instrument | 823524 |
| Name | PIONEER BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Dec 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Jul 15, 2022 |
| Property Address | 3670 STATE ROUTE 7, HOWES CAVE, NY 12092-2804 |
| Document Number | 001169/241 |
| Book / Page | 1169 / 241 |
| Instrument Date | Jul 14, 2022 |
| Instrument | 813602 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1357 VLEY RD, SCHENECTADY, NY 12302-6543 |
| Document Number | 002004/101 |
|---|---|
| Date | Jul 15, 2022 |
| Book Page | 2004/101 |
| Instrument | 813605 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Aug 1, 2032 |
| Index | Other |
| Margin | 3 |
| Document Type | Executor's Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Dec 6, 2017 |
| Property Address | 3670 STATE ROUTE 7, HOWES CAVE, NY 12092-2804 |
| Document Number | 000000728967 |
| Instrument Date | Nov 27, 2017 |
| Instrument | 000000728967 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 150 G WESTINGHOUSE RD, HOWES CAVE, NY 12092-2818 |
| Document Number | 0000001783/0000000081 |
|---|---|
| Date | Dec 6, 2017 |
| Book Page | 0000001783/0000000081 |
| Instrument | 000000728968 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Amount | Amount on Record |
|---|---|
| Term | 349 Months |
| Due | Jan 1, 2047 |
The 2026 property tax bill for 3670 State Rte 7 was $3,036, up 4.2% 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 | $3,036.00 (+4.22%) | ||
| 2025 | $2,913.00 | $72,800 Land $10,000 Building $62,800 | $117,419 Land $16,129 Building $101,290 |
| 2023 | $72,800 (-) Land $8,400 Building $64,400 | $109,622 (+15.19%) Land $12,649 Building $96,973 | |
| 2022 | $72,800 Land $8,400 Building $64,400 | $95,163 Land $10,980 Building $84,183 | |
| 2021 | $1,276.00 (-56.57%) | ||
| 2020 | $2,938.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3670 State Rte 7 in Zone X, an area of moderate 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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 3670 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 | 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.
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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