Schoharie County and Cobleskill Town property record for 434 Caverns Rd, Howes Cave, NY 12092 · Last verified May 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1879 |
| Square Footage | 1,520 sqft Living Area |
| Lot Size | 52,272 sqft (1.2 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $163,000 (2023) |
| Tax Bill | $3,503.00 (2025) |
| Primary APN | 432689 58.-1-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Baths |
| Building Area | 1,520 sqft Living Area |
| 1st Floor | 800 sqft 1st Floor |
| 2nd Floor | 720 sqft 2nd Floor |
| Stories | 2 Stories |
| Year Built | Built 1879 |
|---|---|
| Effective Year Built | Effective 1879 |
| Architectural Style | Traditional Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 52,272 sqft (1.2 acres) |
| Lot Width | 200 ft Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 288 sqft Garage |
| Shed | 1 Shed |
| Porch Area | 184 sqft Porch |
| Heating System | Forced Air with Air Conditioning Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Sewage | Septic Sewage |
| Water Source | Well Water Source |
| Account Number | 435J100148 |
|---|---|
| Street Address | 434 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 | 7.000 |
| Jurisdiction | SCHOHARIE NY |
| Minor Civil Division | COBLESKILL |
| Census Blockgroup | 2 |
| Census Block | 2011 |
| Census Tract | 740200 |
Source: Schoharie County and Cobleskill Town records · APN 432689 58.-1-7
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 | 434 CAVERNS RD, HOWES CAVE, NY 12092-2300 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 12, 2023 · Amount on Record |
| Deed Sale | Sep 12, 2023 · Amount on Record |
| Deed Doc Number | 2023822565 |
| Deed Book / Page | 1196 / 290 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 434 CAVERNS RD, HOWES CAVE, NY 12092-2300 |
| Transaction Type | Mortgage |
| Record Updated | Jan 18, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001971/284 |
|---|---|
| Date | Dec 31, 2021 |
| Book Page | 1971/284 |
| Instrument | 801950 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 169 Months |
| Due | Jan 01, 2036 |
| Rate Type | Adjustable Rate |
|---|
Source: Schoharie County and Cobleskill Town records · Assessment roll updated May 14, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Cobleskill Town |
| Unified School District | Cobleskill-Richmondville Central School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,503.00 (+23.04%) | $77,100 (-) Land $12,500 Building $64,600 | $157,347 (+16.33%) Land $25,510 Building $131,837 |
| 2023 | $77,100 Land $12,500 Building $64,600 | $135,263 Land $21,930 Building $113,333 | |
| 2020 | $2,847.00 |
434 Caverns Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Schoharie County (36095C), updated February 16, 2012
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 55th in New York |
|---|---|
| Wildfire Likelihood | Low — 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures