Schoharie County and Cobleskill Town property record for 560 Barnerville Rd, Howes Cave, NY 12092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,674 sqft · built 1900 |
| Lot Size | 1.43 acres (62,291 sqft) |
| Owner | Individual Name on File |
| Last Sale | $78,000 (Nov 2017) |
| Tax Bill | $3,760 (2026) |
| Deeds & Mortgages | Nov 2017 Mortgage Nov 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 432689 57.-1-16.1 |
| Primary APN | 432689 57.-1-16.1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,674 sqft Living Area |
| 1st Floor Area | 1,188 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 62,291 sqft (1.43 acres) |
| Lot Width | 486 ft Width |
| Porch | Slab |
| Porch Area | 160 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Wood |
| Account Number | 435J100201 |
|---|---|
| Street Address | 560 BARNERVILLE RD |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092-2001 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Block | 1 |
| Legal Lot Number | 16.001 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 740200 |
560 Barnerville Rd is owned and occupied by an individual who bought it in November 2017.
Source: Schoharie County and Cobleskill Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 560 BARNERVILLE RD, HOWES CAVE, NY 12092-2001 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 17, 2017 | Deed of Trust, Mortgage · FHA Mortgage SUNMARK FEDERAL CREDIT UNION |
| Nov 17, 2017 | Deed, Transfer NOT AVAILABLE, MICHAEL SHULTES |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 17, 2017 · Amount on File |
| Deed Sale | Nov 17, 2017 · Amount on File |
| Deed Book / Page | 1058 / 197 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 560 BARNERVILLE RD, HOWES CAVE, NY 12092-2001 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001781/0000000107 |
|---|---|
| Date | Nov 17, 2017 |
| Book Page | 0000001781/0000000107 |
| Instrument | 000000728292 |
| Name | SUNMARK FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 350 Months |
| Due | Jan 1, 2047 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Nov 17, 2017 |
| Property Address | 560 BARNERVILLE RD, HOWES CAVE, NY 12092-2001 |
| Document Number | 0000001058/0000000197 |
| Book / Page | 0000001058 / 0000000197 |
| Instrument Date | Oct 10, 2017 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Title Company | NOT AVAILABLE, MICHAEL SHULTES |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 560 BARNERVILLE RD, HOWES CAVE, NY 12092-2001 |
The 2026 property tax bill for 560 Barnerville Rd was $3,760, up 6.1% from the year before.
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 | $3,760.00 (+6.09%) | ||
| 2025 | $3,544.00 | $78,000 Land $10,000 Building $68,000 | $159,184 Land $20,408 Building $138,776 |
| 2023 | $78,000 Land $10,000 Building $68,000 | $136,842 Land $17,544 Building $119,298 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 560 Barnerville Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1996.
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 | 1 in force |
| Nearby Flood Claims | 3 (1996–2011) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
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.
Wildfire risk around 560 Barnerville Rd is low, with a 0.01% annual chance of wildfire.
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 14 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 |
| MIDTEL Fiber | 500 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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