Schoharie County and Cobleskill Town property record for 448 Barnerville Rd, Howes Cave, NY 12092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,842 sqft · built 2008 |
| Lot Size | 1.4 acres (60,984 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $235,000 (Jan 2020) |
| Tax Bill | $7,423 (2026) |
| Deeds & Mortgages | Jan 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 432689 57.-1-7.126 |
| Primary APN | 432689 57.-1-7.126 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,842 sqft Living Area |
| 1st Floor Area | 1,842 sqft |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Contemporary |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 60,984 sqft (1.4 acres) |
| Lot Width | 231 ft Width |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Patio Area | 160 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 435J209005 |
|---|---|
| Street Address | 448 BARNERVILLE RD |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092-2100 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Block | 1 |
| Legal Lot Number | 7.126 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 740200 |
Source: Schoharie County and Cobleskill Town records, as of October 20, 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 | 448 BARNERVILLE RD, HOWES CAVE, NY 12092-2100 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 23, 2020 · Amount on Record |
| Deed Sale | Jan 23, 2020 · Amount on Record |
| Prior Sale | Apr 15, 2008 · Amount on Record |
| Deed Document Number | 2020772532 |
| Deed Book / Page | 1106 / 268 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Jan 23, 2020 |
| Property Address | 448 BARNERVILLE RD, HOWES CAVE, NY 12092-2100 |
| Document Number | 001106/268 |
| Book / Page | 1106 / 268 |
| Instrument Date | Dec 23, 2019 |
| Instrument | 772532 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 434, WARNERVILLE, NY 12187-0434 |
| Document Number | 0001866/69 |
|---|---|
| Date | Jan 23, 2020 |
| Book Page | 1866/69 |
| Instrument | 772533 |
| Name | FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2050 |
Source: Schoharie County and Cobleskill Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Cobleskill Town |
| Unified School District | Cobleskill-Richmondville Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,423.00 (+6.09%) | ||
| 2025 | $6,997.00 (+2.75%) | $154,000 (-) Land $13,000 Building $141,000 | $314,286 (+16.33%) Land $26,531 Building $287,755 |
| 2023 | $154,000 Land $13,000 Building $141,000 | $270,175 Land $22,807 Building $247,368 | |
| 2020 | $6,810.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective February 16, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 3 (1996–2011) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
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.
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 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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