Schoharie County and Cobleskill Town property record for 481 Barnerville Rd, Howes Cave, NY 12092
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,628 sqft · built 1890 |
| Lot Size | 5.5 acres (239,580 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $134,900 (Apr 2009) |
| Tax Bill | $3,351 (2026) |
| Deeds & Mortgages | Apr 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 432689 57.-1-26 |
| Primary APN | 432689 57.-1-26 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,628 sqft Total Area |
| 1st Floor Area | 1,008 sqft |
| 2nd Floor Area | 620 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 239,580 sqft (5.5 acres) |
| Lot Width | 690 ft Width |
| Porch | Slab |
| Porch Area | 144 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 435J100386 |
|---|---|
| Street Address | 481 BARNERVILLE RD |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092-2101 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | RR |
| Legal Description | HSE & BLDG & TRLR |
| Legal Block | 1 |
| Legal Lot Number | 26.000 |
| 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 | 481 BARNERVILLE RD, HOWES CAVE, NY 12092-2101 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 21, 2009 · Amount on Record |
| Deed Sale | Apr 21, 2009 · Amount on Record |
| Prior Sale | Oct 17, 2002 · Amount on Record |
| Deed Book / Page | 878 / 201 |
| Last Transfer Date | Mar 15, 2011 |
| Transfer Doc | 0000000916/000000008 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 481 BARNERVILLE RD, HOWES CAVE, NY 12092-2101 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001755/0000000001 |
|---|---|
| Date | Apr 3, 2017 |
| Book Page | 0000001755/0000000001 |
| Instrument | 000000717922 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
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 | $3,351.00 (+6.25%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | ||
| 2025 | $3,154.00 (+29.37%) | $78,000 (-) Land $21,600 Building $56,400 | $159,184 (+16.33%) Land $44,082 Building $115,102 |
| 2023 | $78,000 Land $21,600 Building $56,400 | $136,842 Land $37,895 Building $98,947 | |
| 2020 | $2,438.00 |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures