Schoharie County and Cobleskill Town property record for 636 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 2007 |
| Square Footage | 3,140 sqft Living Area |
| Lot Size | 669,517 sqft (15.3 acres) |
| Garage | Attached, 576 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $8,597.00 (2025) |
Source: Schoharie County and Cobleskill Town records · APN 432689 46.-3-15.12
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 636 CAVERNS RD, HOWES CAVE, NY 12092-1702 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 31, 2021 | Deed of Trust, Mortgage · Stand Alone Refinance QUICKEN LOANS INC |
| Aug 31, 2021 | Warranty Deed, Transfer |
| Nov 19, 2019 | Deed of Trust, Mortgage · Stand Alone Refinance DISCOVER BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 636 CAVERNS RD, HOWES CAVE, NY 12092-1702 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2021 |
| Title Company | AMERICA LAND TITLE AFFILIATES, AMERICAN LAND TITLE AFFILIAT |
| Name | Verified Name |
|---|
| Document Number | 1951/31 |
|---|---|
| Date | Aug 31, 2021 |
| Book Page | 1951/31 |
| Instrument | 795333 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Aug 31, 2021 |
| Property Address | 636 CAVERNS RD, HOWES CAVE, NY 12092-1702 |
| Document Number | 1146/14 |
| Book / Page | 1146 / 14 |
| Instrument Date | Jul 19, 2021 |
| Instrument | 795330 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 316 CHESAPEAKE RD, FAIRMONT, WV 26554-9642 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 636 CAVERNS RD, HOWES CAVE, NY 12092-1702 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2019 |
| Name | Verified Name |
|---|
| Document Number | 1859/187 |
|---|---|
| Date | Nov 19, 2019 |
| Book Page | 1859/187 |
| Instrument | 769639 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2049 |
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 | $8,597.00 (+10.15%) | $189,200 (-) Land $24,500 Building $164,700 | $386,122 (+16.33%) Land $50,000 Building $336,122 |
| 2023 | $189,200 Land $24,500 Building $164,700 | $331,930 Land $42,982 Building $288,948 | |
| 2020 | $7,805.00 |
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 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 55% of 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.
| Primary APN | 432689 46.-3-15.12 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 2 Partial Baths |
| Building Area | 3,140 sqft Living Area |
| 1st Floor | 1,944 sqft 1st Floor |
| 2nd Floor | 1,196 sqft 2nd Floor |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Colonial Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 669,517 sqft (15.3 acres) |
| Lot Width | 192 ft Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 576 sqft Garage |
| Heating System | Hot Water Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Sewage | Septic Sewage |
| Water Source | Well Water Source |
| Account Number | 435J207004 |
|---|---|
| Street Address | 636 CAVERNS RD |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092-1702 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Rural Home |
| Legal Block | 3 |
| Legal Lot Number | 15.012 |
| Jurisdiction | SCHOHARIE NY |
| Minor Civil Division | COBLESKILL |
| Census Blockgroup | 2 |
| Census Block | 2014 |
| Census Tract | 740200 |
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