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406 Caverns Rd, Howes Cave, NY 12092 Property Records

Schoharie County and Cobleskill Town property record for 406 Caverns Rd, Howes Cave, NY 12092 · Last verified May 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms1.5 Baths
Year BuiltBuilt 2000
Square Footage1,871 sqft Living Area
Lot Size86,684 sqft (1.99 acres)
GarageDetached, 550 sqft
OccupancyOwner Occupied
Tax Bill$4,430.00 (2025)

Property Details

APN / Parcel Number

Primary APN432689 58.-1-12.2
Alternative APNs
  • 268905800000010120020000
  • 435J208006

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Partial Baths1 Partial Baths
Building Area1,871 sqft Living Area
1st Floor1,247 sqft 1st Floor
2nd Floor624 sqft 2nd Floor
Stories2 Stories
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 2000
Architectural StyleTraditional Style
Exterior MaterialWood Exterior
Lot Area86,684 sqft (1.99 acres)
Lot Width157 ft Width
Parking Spaces2 Parking Spaces
Garage TypeDetached Garage
Garage Area550 sqft Garage
Canopy Area76 sqft Canopy

Utilities and HVAC

Heating SystemHot Water Heating
Heating FuelOil Heating Fuel
SewageSeptic Sewage
Water SourceWell Water Source

Location & Zoning

Account Number435J208006
Street Address406 CAVERNS RD
CityHOWES CAVE
StateNY
Zip12092-2300
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal Block1
Legal Lot Number12.002
JurisdictionSCHOHARIE NY
Minor Civil DivisionCOBLESKILL
Census Blockgroup2
Census Block2011
Census Tract740200

Owner

Source: Schoharie County and Cobleskill Town records · APN 432689 58.-1-12.2

Assessment roll updated May 14, 2026 · Last verified May 2026

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

Owner of Record2 Company Names on File
Mailing AddressPO BOX 56, HOWES CAVE, NY 12092-0056
OccupancyOwner Occupied
Owner TypeOwner is a Company
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Dec 26, 2025Deed of Trust, Mortgage · Conventional Mortgage
TRUSTCO BANK
Aug 06, 2025Warranty Deed, Transfer · Stand Alone Refinance
FIRST CITIZEN B&T CO
Dec 17, 2018Warranty Deed, Transfer

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 17, 2018
Deed SaleDec 17, 2018
Prior SaleDec 24, 2007 · Amount on Record
Deed Doc Number2018754624
Deed Book / Page1082 / 204
Record RefreshedJun 08, 2026

December 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHOHARIE NY
Property Address406 CAVERNS RD, HOWES CAVE, NY 12092
Transaction TypeMortgage
Record UpdatedJan 14, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number002138/189
DateDec 26, 2025
Book Page2138/189
Instrument830825
Lender
NameTRUSTCO BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term337 Months
DueJan 01, 2054

August 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHOHARIE NY
Recording DateAug 06, 2025
Property Address406 CAVERNS RD, HOWES CAVE, NY 12092-2300
Document Number001239/242
Book / Page1239 / 242
Instrument DateJul 03, 2025
Instrument829473
Transaction TypeTransfer
Record UpdatedApr 16, 2026

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address159 RIDGE RD, CHERAW, SC 29520-6310

Mortgage

Document Number0002124/50
DateAug 06, 2025
Book Page2124/50
Instrument829474
Lender
NameFIRST CITIZEN B&T CO
Agreement
TypeStand Alone Refinance
AmountAmount Recorded
Term361 Months
DueSep 01, 2055

December 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHOHARIE NY
Recording DateDec 17, 2018
Property Address406 CAVERNS RD, HOWES CAVE, NY 12092
Document Number001082/204
Book / Page1082 / 204
Instrument DateDec 06, 2018
Instrument754624
Transaction TypeTransfer
Record UpdatedMay 12, 2022

Transaction

Tax$0.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
AddressPO BOX 56, HOWES CAVE, NY 12092-0056

Tax Assessment & Valuation

Source: Schoharie County and Cobleskill Town records · Assessment roll updated May 14, 2026 · Last verified May 2026

Property Jurisdictions

TypeName
StateNew York
CountySchoharie County
County SubdivisionCobleskill Town
Unified School DistrictCobleskill-Richmondville Central School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$4,430.00 (+18.13%)$97,500 (-) Land $12,000 Building $85,500$198,980 (+16.33%) Land $24,490 Building $174,490
2023$97,500 Land $12,000 Building $85,500$171,053 Land $21,053 Building $150,000
2020$3,750.00

Flood & Wildfire

406 Caverns Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Schoharie County (36095C), updated February 16, 2012

FEMA Flood ZoneZone X
minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard AreaNo

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to HomesLow
20th percentile of exposed land nationally · 55th in New York
Wildfire LikelihoodLow — about 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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