Schoharie County and Cobleskill Town property record for 483 Caverns Rd, Howes Cave, NY 12092 · Last verified May 2026
| Property Type | Residential > Single Family > Rural Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2018 |
| Square Footage | 3,625 sqft Living Area |
| Lot Size | 494,842 sqft (11.3 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $245,900 (2018) |
| Tax Bill | $7,225.00 (2025) |
| Primary APN | 432689 46.-1-13.1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 3,625 sqft Living Area |
| 1st Floor | 2,159 sqft 1st Floor |
| 2nd Floor | 484 sqft 2nd Floor |
| Upper Floors | 982 sqft Upper Floors |
| Stories | 2 Stories |
| Year Built | Built 1850 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Traditional Style |
| Exterior Material | Wood Exterior |
| Lot Area | 494,842 sqft (11.3 acres) |
| Lot Width | 247 ft Width |
| Shed | 1 Shed |
| Patio Area | 104 sqft Patio |
| Porch Area | 447 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 | 435J100017 |
|---|---|
| Street Address | 483 CAVERNS RD |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092-2301 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Rural Home |
| Legal Block | 1 |
| Legal Lot Number | 13.001 |
| Jurisdiction | SCHOHARIE NY |
| Minor Civil Division | COBLESKILL |
| Census Blockgroup | 2 |
| Census Block | 2010 |
| Census Tract | 740200 |
Source: Schoharie County and Cobleskill Town records · APN 432689 46.-1-13.1
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 | 483 CAVERNS RD, HOWES CAVE, NY 12092-2301 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 25, 2021 | Deed of Trust, Mortgage · Stand Alone Refinance QUICKEN LOANS INC |
| Aug 10, 2018 | Deed of Trust, Mortgage KEY BANK NA |
| Aug 10, 2018 | Warranty Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 10, 2018 · Amount on Record |
| Deed Sale | Aug 10, 2018 · Amount on Record |
| Prior Sale | Mar 30, 2012 · Amount on Record |
| Deed Doc Number | 2018747498 |
| Deed Book / Page | 1074 / 267 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 483 CAVERNS RD, HOWES CAVE, NY 12092-2301 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001941/58 |
|---|---|
| Date | Jun 25, 2021 |
| Book Page | 1941/58 |
| Instrument | 791442 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 483 CAVERNS RD, HOWES CAVE, NY 12092-2301 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001811/0000000204 |
|---|---|
| Date | Aug 10, 2018 |
| Book Page | 0000001811/0000000204 |
| Instrument | 000000747499 |
| Name | KEY BANK NA |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 353 Months |
| Due | Jan 01, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Aug 10, 2018 |
| Property Address | 483 CAVERNS RD, HOWES CAVE, NY 12092-2301 |
| Document Number | 001074/267 |
| Book / Page | 1074 / 267 |
| Instrument Date | Jul 20, 2018 |
| Instrument | 000000747498 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 14 LOUIS PL, BREWSTER, NY 10509-2101 |
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 | $7,225.00 (+2.74%) | $159,000 (-) Land $10,000 Building $149,000 | $324,490 (+16.33%) Land $20,408 Building $304,082 |
| 2023 | $159,000 Land $10,000 Building $149,000 | $278,947 Land $17,544 Building $261,403 | |
| 2020 | $7,032.00 |
483 Caverns Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
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 |
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.
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