Schoharie County and Cobleskill Town property record for 465 Barnerville Rd, Howes Cave, NY 12092
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,056 sqft · built 1984 |
| Lot Size | 0.96 acres (41,818 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,116 (2026) |
| Deeds & Mortgages | May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 432689 57.-1-25 |
| Primary APN | 432689 57.-1-25 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,056 sqft Living Area |
| 1st Floor Area | 1,056 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Mobile Home |
| Exterior Material | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 41,818 sqft (0.96 acres) |
| Lot Dimensions | 59.6 ft deep x 314 ft wide |
| Garage Type | Detached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Canopy | 432 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 435J183024 |
|---|---|
| Street Address | 465 BARNERVILLE RD |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092-2101 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | RR |
| Legal Block | 1 |
| Legal Lot Number | 25.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 2 |
| Census Block | 2017 |
| 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 | 465 BARNERVILLE RD, HOWES CAVE, NY 12092-2101 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 465 BARNERVILLE RD, HOWES CAVE, NY 12092-2101 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2020 |
| Name | Verified Name |
|---|
| Document Number | 1877/73 |
|---|---|
| Date | May 7, 2020 |
| Book Page | 1877/73 |
| Instrument | 775312 |
| Name | BANK OF RICHMONDVILLE |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2040 |
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 | $2,116.00 (+6.07%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $1,995.00 (+44.67%) | $43,900 (-) Land $10,800 Building $33,100 | $89,592 (+16.33%) Land $22,041 Building $67,551 |
| 2023 | $43,900 Land $10,800 Building $33,100 | $77,018 Land $18,947 Building $58,071 | |
| 2020 | $1,379.00 |
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 | 5 in force |
| Nearby Flood Claims | 6 (1996–2011) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Sep 2011 · Remnants Of Tropical Storm Lee |
| Claims by Event |
|
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 | Direct burnable vegetation |
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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