412 Caverns Rd, Howes Cave, NY 12092 Property Records

Schoharie County and Cobleskill Town property record for 412 Caverns Rd, Howes Cave, NY 12092 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,412 sqft · built 1958
Lot Size	0.86 acres (37,462 sqft)
Owner	2 Individual Names on File
Last Sale	$156,000 (Jun 2008)
Tax Bill	$4,180 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`432689 58.-1-12.3`

Property Details

APN / Parcel Number

Primary APN	`432689 58.-1-12.3`
Alternative APNs	`268905800000010120030000` `435J208007`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,412 sqft Living Area
1st Floor Area	1,412 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Composition/Composite
Lot Area	37,462 sqft (0.86 acres)
Lot Dimensions	300 ft deep x 139 ft wide
Garage Type	Mixed
Garage Area	1,050 sqft
Parking Spaces	4 Parking Spaces
Patio Area	2,496 sqft
Shed	1 Shed
Canopy	209 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	435J208007
Street Address	412 CAVERNS RD
City	HOWES CAVE
State	NY
Zip	12092-2300
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	12.003
Jurisdiction	SCHOHARIE NY
Township / Civil Division	COBLESKILL
Census Block Group	2
Census Block	2011
Census Tract	740200

Owner

Source: Schoharie County and Cobleskill Town records · APN 432689 58.-1-12.3

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 Record	2 Individual Names on File
Mailing Address	412 CAVERNS RD, HOWES CAVE, NY 12092-2300
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 13, 2008 · Amount on Record
Deed Sale	Jun 13, 2008 · Amount on Record
Deed Book / Page	861 / 261
Last Transfer Date	Oct 15, 2013
Transfer Doc	0000000963/000000022
Record Updated	Jun 08, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	412 CAVERNS RD, HOWES CAVE, NY 12092-2300
Transaction Type	Mortgage
Record Updated	Mar 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002032/152
Date	Mar 06, 2023
Book Page	2032/152
Instrument	820715

Lender

Name	BROADVIEW FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Apr 01, 2038

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Schoharie County
County Subdivision	Cobleskill Town
Unified School District	Cobleskill-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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,180.00 (+19.22%)	$92,000 (-) Land $7,500 Building $84,500	$187,755 (+16.33%) Land $15,306 Building $172,449
2023		$92,000 Land $7,500 Building $84,500	$161,404 Land $13,158 Building $148,246
2020	$3,506.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schoharie County (36095C), updated February 16, 2012 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360957402002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	5 in force
Nearby Flood Claims	6 (1996–2011)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Sep 2011, river or lake flooding, Remnants Of Tropical Storm Lee
Claims By Storm	Remnants Of Tropical Storm Lee, Sep 2011 · 2 claims Hurricane Irene, Sep 2011 · 3 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 13 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
The Middleburgh Telephone Company	Fiber	500 / 100
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.