Schoharie County and Schoharie Town property record for 3699 State Rte 7, Howes Cave, NY 12092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,146 sqft · built 1960 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,002 (2026) |
| Flood Zone | Zone AE (high risk) |
| APN | 434289 47.-5-8 |
| Primary APN | 434289 47.-5-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,146 sqft Living Area |
| 1st Floor Area | 1,146 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,356 sqft (0.1 acres) |
| Lot Dimensions | 100 ft deep x 120 ft wide |
| Porch | Slab |
| Porch Area | 384 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 515J100287 |
|---|---|
| Street Address | 3699 STATE ROUTE 7 |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092-2805 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | C |
| Legal Block | 5 |
| Legal Lot Number | 8.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | SCHOHARIE |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 740100 |
3699 State Rte 7 is owned and occupied by two individuals who acquired it in April 2005.
Source: Schoharie County and Schoharie Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3699 STATE ROUTE 7, HOWES CAVE, NY 12092-2805 |
| 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 |
|---|---|
| Last Transfer Date | Apr 12, 2005 |
| Transfer Doc | 0000000783/000000029 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 3699 State Rte 7 was $2,002 with a homeowner's exemption, 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 | $2,002.00 (+4.22%) Homeowner's exemption | ||
| 2025 | $1,921.00 | $48,000 Land $10,000 Building $38,000 | $77,419 Land $16,129 Building $61,290 |
| 2023 | $48,000 (-) Land $6,800 Building $41,200 | $72,278 (+15.19%) Land $10,239 Building $62,039 | |
| 2022 | $48,000 Land $6,800 Building $41,200 | $62,745 Land $8,889 Building $53,856 | |
| 2021 | $1,334.00 (-24.16%) | ||
| 2020 | $1,759.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3699 State Rte 7 in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective February 16, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 3699 State Rte 7 is low, with less than 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 94% of the US · lower than 91% of New York |
|---|---|
| Wildfire Likelihood | Under 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 24 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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