449 Caverns Rd, Howes Cave, NY 12092 Property Records

Schoharie County and Cobleskill Town property record for 449 Caverns Rd, Howes Cave, NY 12092 · Last verified June 2026

Property Highlights

Property Type	Residential > Single Family > Rural Home
Bedrooms	4 Beds
Bathrooms	1.5 Baths
Architecture Style	Ranch
Year Built	Built 1980
Square Footage	2,016 sqft Living Area
Lot Size	453,895 sqft (10.4 acres)
Tax Bill	$2,885.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`432689 45.-4-12.22`
Alternative APNs	`268904500000040120220000` `435J210002`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Building Area	2,016 sqft Living Area
1st Floor	2,016 sqft 1st Floor
Stories	1 Stories

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Ranch Style
Exterior Material	Wood Exterior
Lot Area	453,895 sqft (10.4 acres)
Lot Width	513 ft Width
Porch	1 Porch
Porch Area	84 sqft Porch

Utilities and HVAC

Heating Fuel	Electric Heating Fuel
Sewage	Septic Sewage
Water Source	Well Water Source

Location & Zoning

Account Number	435J210002
Street Address	449 CAVERNS RD
City	HOWES CAVE
State	NY
Zip	12092-2301
Property Usage	Residential Property Usage
Type	Residential > Single Family > Rural Home
Legal Block	4
Legal Lot Number	12.022
Jurisdiction	SCHOHARIE NY
Minor Civil Division	COBLESKILL
Census Blockgroup	2
Census Block	2010
Census Tract	740200

Owner

Source: Schoharie County and Cobleskill Town records · APN 432689 45.-4-12.22

Assessment roll updated May 14, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	449 CAVERNS RD, HOWES CAVE, NY 12092-2301
Owner Type	Owner is a Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Jun 18, 2009
Transfer Doc	0000000882/000000007
Record Refreshed	Sep 20, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Jan 21, 2026
Property Address	449 CAVERNS RD, HOWES CAVE, NY 12092-2301
Document Number	001249/187
Book / Page	1249 / 187
Instrument Date	Jan 16, 2026
Instrument	831109
Transaction Type	Transfer
Record Updated	Feb 25, 2026

Transaction

Tax	$0.00
Amount Accuracy	Zero or No Consideration Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 STATE ST STE 804, 804, ALBANY, NY 12207-2524

Tax Assessment & Valuation

Source: Schoharie County and Cobleskill Town records · Assessment roll updated May 14, 2026 · Last verified June 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	$2,885.00 (+5.91%)	$65,000 (-) Land $10,500 Building $54,500	$132,653 (+11.84%) Land $21,429 Building $111,224
2024	$2,724.00 (-1.05%) Additional exemption filed	$65,000 (-) Land $10,500 Building $54,500	$118,613 (+4.01%) Land $19,161 Building $99,452
2023		$65,000 Land $10,500 Building $54,500	$114,035 Land $18,421 Building $95,614
2020	$2,753.00

Flood & Wildfire

449 Caverns Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

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

Wildfire

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.