420 Caverns Rd, Howes Cave, NY 12092 Property Records

Schoharie County and Cobleskill Town property record for 420 Caverns Rd, Howes Cave, NY 12092 · Last verified May 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	1 Baths
Square Footage	2,112 sqft Living Area
Lot Size	204,732 sqft (4.7 acres)
Garage	Mixed, 1,102 sqft
Occupancy	Owner Occupied
Last Sale	$80,000 (1994)
Tax Bill	$3,767.00 (2025)

Owner

Source: Schoharie County and Cobleskill Town records · APN 432689 58.-1-5

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	Individual Name on File
Mailing Address	420 CAVERNS RD, HOWES CAVE, NY 12092-2300
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 25, 1994 · Amount on Record
Deed Sale	Jul 25, 1994 · Amount on Record
Deed Book / Page	568 / 300
Record Refreshed	Jun 08, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Oct 07, 2025
Property Address	420 CAVERNS RD, HOWES CAVE, NY 12092-2300
Document Number	001243/103
Book / Page	1243 / 103
Instrument Date	Sep 29, 2025
Instrument	830081
Transaction Type	Transfer
Record Updated	Apr 16, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1288 ROUTE 9G, HYDE PARK, NY 12538-2074

Mortgage

Document Number	002130/144
Date	Oct 07, 2025
Book Page	2130/144
Instrument	830082

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2055

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	$3,767.00 (+2.76%)	$82,900 (-) Land $20,300 Building $62,600	$169,184 (+16.33%) Land $41,429 Building $127,755
2023		$82,900 Land $20,300 Building $62,600	$145,439 Land $35,614 Building $109,825
2020	$3,666.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schoharie County (36095C), updated February 16, 2012 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

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; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`432689 58.-1-5`
Alternative APNs	`268905800000010050000000` `435J100345`

Interior

Bedrooms	2 Beds
Full Baths	1 Baths
Building Area	2,112 sqft Living Area
1st Floor	1,056 sqft 1st Floor
2nd Floor	1,056 sqft 2nd Floor
Stories	2 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Architectural Style	Colonial Style
Exterior Material	Aluminum/Vinyl Exterior
Lot Area	204,732 sqft (4.7 acres)
Lot Width	281 ft Width
Parking Spaces	4 Parking Spaces
Garage Type	Mixed Garage
Garage Area	1,102 sqft Garage
Shed	1 Shed
Shed Area	192 sqft Shed
Pole Structure	Pole Structure

Utilities and HVAC

Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Oil Heating Fuel
Sewage	Septic Sewage
Water Source	Well Water Source

Location & Zoning

Account Number	435J100345
Street Address	420 CAVERNS RD
City	HOWES CAVE
State	NY
Zip	12092-2300
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	HOUSE 2 GARAGES
Legal Block	1
Legal Lot Number	5.000
Jurisdiction	SCHOHARIE NY
Minor Civil Division	COBLESKILL
Census Blockgroup	2
Census Block	2011
Census Tract	740200