426 Caverns Rd, Howes Cave, NY 12092 Property Records

Schoharie County and Cobleskill Town property record for 426 Caverns Rd, Howes Cave, NY 12092 · Last verified May 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	1.5 Baths
Year Built	Built 1900
Square Footage	1,662 sqft Living Area
Lot Size	42,689 sqft (0.98 acres)
Occupancy	Owner Occupied
Last Sale	$75,000 (2001)
Tax Bill	$3,344.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`432689 58.-1-6`
Alternative APNs	`268905800000010060000000` `435J100279`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Building Area	1,662 sqft Living Area
1st Floor	942 sqft 1st Floor
2nd Floor	720 sqft 2nd Floor
Stories	2 Stories

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional Style
Exterior Material	Aluminum/Vinyl Exterior
Lot Area	42,689 sqft (0.98 acres)
Depth X Width	310 ft x 132 ft Depth x Width
Porch Area	498 sqft Porch

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	435J100279
Street Address	426 CAVERNS RD
City	HOWES CAVE
State	NY
Zip	12092-2300
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	HOUSE & BARNS
Legal Block	1
Legal Lot Number	6.000
Jurisdiction	SCHOHARIE NY
Minor Civil Division	COBLESKILL
Census Blockgroup	2
Census Block	2011
Census Tract	740200

Owner

Source: Schoharie County and Cobleskill Town records · APN 432689 58.-1-6

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	426 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	Sep 12, 2001 · Amount on Record
Deed Sale	Sep 12, 2001 · Amount on Record
Deed Book / Page	701 / 104
Record Refreshed	Jun 08, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	426 CAVERNS RD, HOWES CAVE, NY 12092-2300
Transaction Type	Mortgage
Record Updated	Apr 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001989/281
Date	Apr 05, 2022
Book Page	1989/281
Instrument	808505

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	May 01, 2037

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	$3,344.00 (+2.73%)	$73,600 (-) Land $11,300 Building $62,300	$150,204 (+16.33%) Land $23,061 Building $127,143
2023		$73,600 Land $11,300 Building $62,300	$129,123 Land $19,825 Building $109,298
2020	$3,255.00

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

Flood

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

Wildfire

Wildfire Risk to Homes	Low 20th percentile nationally · 55th in 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.