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

Schoharie County and Schoharie Town property record for 423 Howes Cave Rd, Howes Cave, NY 12092

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,512 sqft · built 1940
Lot Size	10.8 acres (470,448 sqft)
Owner	2 Individual Names on Record
Last Sale	$30,000 (Aug 2001)
Tax Bill	$3,995 (2025)
Deeds & Mortgages	Sep 2021 Sale
Flood Zone	Zone AE (high risk)
APN	`434289 58.-5-3`

Property Details

APN / Parcel Number

Primary APN	`434289 58.-5-3`
Alternative APNs	`428905800000050030000000` `515J100544`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,512 sqft Living Area
1st Floor Area	864 sqft
Upper Floors Area	648 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	470,448 sqft (10.8 acres)
Porch	Slab
Porch Area	688 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	515J100544
Street Address	423 HOWES CAVE RD
City	HOWES CAVE
State	NY
Zip	12092
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	58-5-2 D&C W/THIS 2/01
Legal Block	5
Legal Lot Number	3.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	SCHOHARIE
Census Block Group	4
Census Block	4043
Census Tract	740100

Owner

Source: Schoharie County and Schoharie Town records, as of May 14, 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	127 HEVERLY DR, EMERALD ISLE, NC 28594-2468
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2001 · Amount on Record
Deed Sale	Aug 27, 2001 · Amount on Record
Prior Sale	Jun 3, 1998 · Amount on Record
Deed Book / Page	700 / 192
Record Updated	Jun 8, 2026

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Sep 3, 2021
Property Address	423 HOWES CAVE RD, HOWES CAVE, NY 12092
Document Number	1146/112
Book / Page	1146 / 112
Instrument Date	Aug 20, 2021
Instrument	795510
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 HEVERLY DR, EMERALD ISLE, NC 28594-2468

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
2025	$3,995.00 (+1.58%)	$100,000 (-) Land $15,800 Building $84,200	$161,290 (+7.11%) Land $25,484 Building $135,806
2023		$100,000 Land $15,800 Building $84,200	$150,580 Land $23,792 Building $126,788
2020	$3,933.00

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 93% of the US · lower than 89% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20