Schoharie County and Cobleskill Town property record for 478 Caverns Rd, Howes Cave, NY 12092 · Last verified May 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1942 |
| Square Footage | 1,312 sqft Living Area |
| Lot Size | 17,424 sqft (0.4 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $1,000 (2023) |
| Tax Bill | $3,153.00 (2025) |
| Primary APN | 432689 58.-1-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Baths |
| Building Area | 1,312 sqft Living Area |
| 1st Floor | 928 sqft 1st Floor |
| 2nd Floor | 384 sqft 2nd Floor |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1942 |
|---|---|
| Effective Year Built | Effective 1942 |
| Architectural Style | Traditional Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 17,424 sqft (0.4 acres) |
| Depth X Width | 70 ft x 210 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 483 sqft Garage |
| Shed | 1 Shed |
| Porch Area | 90 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 | 435J100560 |
|---|---|
| Street Address | 478 CAVERNS RD |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092-2300 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 1 |
| Legal Lot Number | 9.000 |
| Jurisdiction | SCHOHARIE NY |
| Minor Civil Division | COBLESKILL |
| Census Blockgroup | 2 |
| Census Block | 2012 |
| Census Tract | 740200 |
Source: Schoharie County and Cobleskill Town records · APN 432689 58.-1-9
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 | 478 CAVERNS RD, HOWES CAVE, NY 12092-2300 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 31, 2023 | Warranty Deed, Transfer |
| Oct 21, 2021 | Warranty Deed, Transfer |
| Oct 02, 2017 | Deed of Trust, Mortgage HOMESTEAD FUNDING CORP |
| Oct 02, 2017 | Executor's Deed, Transfer NOT AVAILABLE, MICHAEL WEST |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 31, 2023 · Amount on Record |
| Deed Sale | Aug 31, 2023 · Amount on Record |
| Prior Sale | Oct 02, 2017 · Amount on Record |
| Deed Doc Number | 2023822450 |
| Deed Book / Page | 1196 / 87 |
| Prior Transfer Date | Aug 24, 2023 |
| Prior Transfer Doc | 0001196/87 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Aug 31, 2023 |
| Property Address | 478 CAVERNS RD, HOWES CAVE, NY 12092-2300 |
| Document Number | 0001196/87 |
| Book / Page | 1196 / 87 |
| Instrument Date | Aug 23, 2023 |
| Instrument | 822450 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 478 CAVERNS RD, HOWES CAVE, NY 12092-2300 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Oct 21, 2021 |
| Property Address | 478 CAVERNS RD, HOWES CAVE, NY 12092-2300 |
| Document Number | 1149/169 |
| Book / Page | 1149 / 169 |
| Instrument Date | Oct 08, 2021 |
| Instrument | 797471 |
| Transaction Type | Transfer |
| Record Updated | Nov 09, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 478 CAVERNS RD, HOWES CAVE, NY 12092-2300 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 478 CAVERNS RD, HOWES CAVE, NY 12092-2300 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 000000726168 |
|---|---|
| Date | Oct 02, 2017 |
| Book Page | 0000001775/0000000102 |
| Instrument | 000000726168 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|---|
| Term | 171 Months |
| Due | Jan 01, 2032 |
| Document Type | Executor's Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Oct 02, 2017 |
| Property Address | 478 CAVERNS RD, HOWES CAVE, NY 12092-2300 |
| Document Number | 0000001054/0000000253 |
| Book / Page | 0000001054 / 0000000253 |
| Instrument Date | Sep 29, 2017 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Title Company | NOT AVAILABLE, MICHAEL WEST |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 478 CAVERNS RD, HOWES CAVE, NY 12092-2300 |
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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,153.00 | $69,400 (-) Land $8,000 Building $61,400 | $141,633 (+16.33%) Land $16,327 Building $125,306 |
| 2023 | $69,400 (-) Land $8,000 Building $61,400 | $121,754 (+12.28%) Land $14,035 Building $107,719 | |
| 2022 | $69,400 Land $8,000 Building $61,400 | $108,438 Land $12,500 Building $95,938 | |
| 2020 | $3,069.00 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low 20th percentile nationally · 55th in New York |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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