388 Howes Cave Rd, Howes Cave, NY 12092 Property Records

Schoharie County and Schoharie Town property record for 388 Howes Cave Rd, Howes Cave, NY 12092

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,044 sqft · built 1972
Lot Size	3.31 acres (144,184 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,080 (2026)
Deeds & Mortgages	Apr 2019 Mortgage Aug 2023 Transfer
Flood Zone	Zone AE (high risk)
APN	`434289 58.-5-28`

Property Details

APN / Parcel Number

Primary APN	`434289 58.-5-28`
Alternative APNs	`428905800000050280000000` `515J100400`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,044 sqft Living Area
1st Floor Area	1,044 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	144,184 sqft (3.31 acres)
Lot Width	802 ft Width
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	192 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	515J100400
Street Address	388 HOWES CAVE RD
City	HOWES CAVE
State	NY
Zip	12092-1805
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	5
Legal Lot Number	28.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	SCHOHARIE
Census Block Group	4
Census Block	4045
Census Tract	740100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	388 HOWES CAVE RD, HOWES CAVE, NY 12092-1805
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2019	Deed of Trust, Mortgage · Balloon Mortgage FIRST NEW YORK FCU
Aug 4, 2023	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 21, 2023
Transfer Doc	001194/150
Record Updated	Oct 29, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	388 HOWES CAVE RD, HOWES CAVE, NY 12092-1805
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001836/165
Date	Apr 29, 2019
Book Page	1836/165
Instrument	761232

Lender

Name	FIRST NEW YORK FCU
Type	Credit Union

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	61 Months
Due	May 1, 2024

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Aug 4, 2023
Property Address	388 HOWES CAVE RD, HOWES CAVE, NY 12092-1805
Document Number	001194/150
Book / Page	1194 / 150
Instrument Date	Jul 21, 2023
Instrument	822162
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	388 HOWES CAVE RD, HOWES CAVE, NY 12092-1805

Tax Assessment & Valuation

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	Cobleskill-Richmondville Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,080.00 (-0.68%) Homeowner's exemption Veteran's exemption
2025	$3,101.00	$79,900 (-) Land $13,200 Building $66,700	$128,871 (+7.11%) Land $21,290 Building $107,581
2023		$79,900 (-) Land $13,200 Building $66,700	$120,313 (+15.19%) Land $19,876 Building $100,437
2022		$79,900 Land $13,200 Building $66,700	$104,444 Land $17,255 Building $87,189
2020	$2,397.00

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

Flood

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	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

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.

Internet Providers

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
T-Mobile Fixed Wireless	100 / 20

May also be available: MIDTEL.

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