Schoharie County and Schoharie Town property record for 417 Howes Cave Rd, Howes Cave, NY 12092
| Property Type | Redevelopment Agency or Zone |
|---|---|
| Details | 3 bd · 1.5 ba · 1,872 sqft · built 1900 |
| Lot Size | 3.41 acres (148,540 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $80,000 (Nov 2016) |
| Tax Bill | $873 (2026) |
| Deeds & Mortgages | Nov 2025 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 434289 58.-5-1.1 |
| Primary APN | 434289 58.-5-1.1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,872 sqft Total Area |
| 1st Floor Area | 936 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 148,540 sqft (3.41 acres) |
| Lot Width | 352 ft Width |
| Garage Type | Detached |
| Garage Area | 1,152 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 160 sqft |
| Shed | 1 Shed |
| Heating System | HVAC |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Account Number | 515J100635 |
|---|---|
| Street Address | 417 HOWES CAVE RD |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092-1804 |
| Property Category | Public Works |
| Property Type | Public Works > Redevelopment Agency or Zone |
| Local Zoning Code | A |
| Legal Block | 5 |
| Legal Lot Number | 1.001 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | SCHOHARIE |
| Census Block Group | 4 |
| Census Block | 4043 |
| Census Tract | 740100 |
417 Howes Cave Rd, a public works property, is owned by two individuals who bought it in November 2016.
Source: Schoharie County and Schoharie Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 119 SPENELLO DR, HOWES CAVE, NY 12092-2503 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 4, 2016 · Amount on File |
| Deed Sale | Nov 4, 2016 · Amount on File |
| Deed Book / Page | 1032 / 286 |
| Prior Transfer Date | Nov 2, 2016 |
| Prior Transfer Doc | 0000001032/000000028 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Nov 26, 2025 |
| Property Address | 417 HOWES CAVE RD, HOWES CAVE, NY 12092-1804 |
| Document Number | 001246/172 |
| Book / Page | 1246 / 172 |
| Instrument Date | Nov 13, 2025 |
| Instrument | 830610 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 417 HOWES CAVE RD, HOWES CAVE, NY 12092-1804 |
The 2026 property tax bill for 417 Howes Cave Rd was $873, down 0.7% 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 | Cobleskill-Richmondville Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $873.00 (-0.68%) | ||
| 2025 | $879.00 (+0.57%) | $22,000 (-) Land $16,400 Building $5,600 | $35,484 (+3.23%) Land $26,452 Building $9,032 |
| 2024 | $874.00 | $22,000 (-) Land $16,400 Building $5,600 | $34,375 (+3.76%) Land $25,625 Building $8,750 |
| 2023 | $22,000 Land $16,400 Building $5,600 | $33,128 Land $24,695 Building $8,433 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 417 Howes Cave Rd in Zone AE, a high-risk flood area within the regulatory floodway; 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 | Yes |
| 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 417 Howes Cave Rd 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 33 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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