Schoharie County and Cobleskill Town property record for 647 Barnerville Rd, Howes Cave, NY 12092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,996 sqft · built 1850 |
| Lot Size | 0.73 acres (31,799 sqft) |
| Owner | Individual Name on File |
| Last Sale | $237,000 (Mar 2026) |
| Tax Bill | $4,117 (2026) |
| Deeds & Mortgages | Mar 2026 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 432689 57.4-1-4 |
| Primary APN | 432689 57.4-1-4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,996 sqft Living Area |
| 1st Floor Area | 1,043 sqft |
| 2nd Floor Area | 953 sqft |
| Year Built | Built 1850 |
|---|---|
| Effective Year Built | Effective 1850 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 31,799 sqft (0.73 acres) |
| Lot Dimensions | 136 ft deep x 371 ft wide |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 422 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 435J100370 |
|---|---|
| Street Address | 647 BARNERVILLE RD |
| City | HOWES CAVE |
| State | NY |
| Zip | 12092-2003 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | HSE GRG & HEN HSE |
| Legal Block | 1 |
| Legal Lot Number | 4.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 740200 |
647 Barnerville Rd is owned by an individual who bought it in March 2026.
Source: Schoharie County and Cobleskill Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 120 MORGAN DR, COBLESKILL, NY 12043-3618 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 24, 2026 · Amount on File |
| Deed Sale | Mar 24, 2026 · Amount on File |
| Deed Document Number | 2026831734 |
| Deed Book / Page | 1253 / 56 |
| Prior Transfer Date | Jan 18, 2016 |
| Prior Transfer Doc | 0000001014/000000009 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 647 BARNERVILLE RD, HOWES CAVE, NY 12092-2003 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0002147/66 |
|---|---|
| Date | Mar 24, 2026 |
| Book Page | 2147/66 |
| Instrument | 831735 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
The 2026 property tax bill for 647 Barnerville Rd was $4,117, 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 | $4,117.00 (+6.11%) | ||
| 2025 | $3,880.00 | $85,400 Land $7,500 Building $77,900 | $174,286 Land $15,306 Building $158,980 |
| 2023 | $85,400 Land $7,500 Building $77,900 | $149,825 Land $13,158 Building $136,667 | |
| 2020 | $2,677.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 647 Barnerville Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective February 16, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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.
Wildfire risk around 647 Barnerville Rd is low, with less than 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 93% of the US · lower than 89% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| MIDTEL Fiber | 500 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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