Schoharie County and Cobleskill Town property record for 642 Barnerville Rd, Howes Cave, NY 12092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,790 sqft · built 1880 |
| Lot Size | 0.6 acres (26,136 sqft) |
| Owner | Individual Name on File |
| Last Sale | $44,900 (Jun 2001) |
| Tax Bill | $2,931 (2026) |
| Deeds & Mortgages | Jul 2025 Sale & Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 432689 57.4-1-3 |
| Primary APN | 432689 57.4-1-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,790 sqft Living Area |
| 1st Floor Area | 972 sqft |
| 2nd Floor Area | 818 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 26,136 sqft (0.6 acres) |
| Lot Dimensions | 175 ft deep x 330 ft wide |
| Garage Type | Detached |
| Garage Area | 900 sqft |
| Parking Spaces | 4 Parking Spaces |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 435J100101 |
|---|---|
| Street Address | 642 BARNERVILLE RD |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092-2002 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | HOUSE & GAR |
| Legal Block | 1 |
| Legal Lot Number | 3.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 740200 |
642 Barnerville Rd is owned and occupied by an individual who bought it in June 2001.
Source: Schoharie County and Cobleskill Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 642 BARNERVILLE RD, HOWES CAVE, NY 12092-2002 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 5, 2001 · Amount on File |
| Deed Sale | Jun 5, 2001 · Amount on File |
| Prior Sale | Oct 26, 1995 |
| Deed Book / Page | 695 / 63 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Jul 22, 2025 |
| Property Address | 642 BARNERVILLE RD, HOWES CAVE, NY 12092-2002 |
| Document Number | 001238/296 |
| Book / Page | 1238 / 296 |
| Instrument Date | Jul 2, 2025 |
| Instrument | 829329 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 10523 TROTTER DR, HAGERSTOWN, MD 21742-9701 |
| Document Number | 002121/252 |
|---|---|
| Date | Jul 22, 2025 |
| Book Page | 2121/252 |
| Instrument | 829330 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Type Change Date | Aug 1, 2032 |
| Index | Other |
The 2026 property tax bill for 642 Barnerville Rd was $2,931 with a homeowner's exemption, 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 | $2,931.00 (+6.08%) Homeowner's exemption | ||
| 2025 | $2,763.00 | $60,800 Land $9,200 Building $51,600 | $124,082 Land $18,776 Building $105,306 |
| 2023 | $60,800 Land $9,200 Building $51,600 | $106,667 Land $16,140 Building $90,527 | |
| 2020 | $2,126.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 642 Barnerville Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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 642 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 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: MIDTEL, Verizon.
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