Schoharie County and Cobleskill Town property record for 665 Barnerville Rd, Howes Cave, NY 12092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,785 sqft · built 1875 |
| Lot Size | 0.8 acres (34,848 sqft) |
| Owner | Individual Name on File |
| Last Sale | $25,000 (Oct 2016) |
| Tax Bill | $1,928 (2026) |
| Deeds & Mortgages | Jan 2025 Sale & Refinance |
| Flood Zone | Zone AE (high risk) |
| APN | 432689 57.4-1-7 |
| Primary APN | 432689 57.4-1-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,785 sqft Living Area |
| 1st Floor Area | 1,020 sqft |
| Upper Floors Area | 765 sqft |
| Year Built | Built 1875 |
|---|---|
| Effective Year Built | Effective 1875 |
| Architectural Style | Traditional |
| Exterior Material | Composition/Composite |
| Lot Area | 34,848 sqft (0.8 acres) |
| Lot Width | 180 ft Width |
| Garage Type | Detached |
| Garage Area | 300 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 266 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 435J100521 |
|---|---|
| Street Address | 665 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 | HOUSE & GAR |
| Legal Block | 1 |
| Legal Lot Number | 7.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | COBLESKILL |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 740200 |
665 Barnerville Rd is owned and occupied by an individual who bought it in October 2016.
Source: Schoharie County and Cobleskill Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 665 BARNERVILLE RD, HOWES CAVE, NY 12092-2003 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 3, 2016 · Amount on File |
| Deed Sale | Oct 3, 2016 · Amount on File |
| Prior Sale | Apr 4, 2016 · Amount on File |
| Deed Book / Page | 1030 / 139 |
| Prior Transfer Date | Mar 16, 2016 |
| Prior Transfer Doc | 0000001018/000000017 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Jan 8, 2025 |
| Property Address | 665 BARNERVILLE RD, HOWES CAVE, NY 12092-2003 |
| Document Number | 0001227/92 |
| Book / Page | 1227 / 92 |
| Instrument Date | Jan 2, 2025 |
| Instrument | 827473 |
| 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 |
|---|---|
| Address | 665 BARNERVILLE RD, HOWES CAVE, NY 12092-2003 |
| Document Number | 002102/206 |
|---|---|
| Date | Jan 8, 2025 |
| Book Page | 2102/206 |
| Instrument | 827474 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2055 |
The 2026 property tax bill for 665 Barnerville Rd was $1,928, 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 | $1,928.00 (+6.11%) | ||
| 2025 | $1,817.00 | $40,000 Land $8,000 Building $32,000 | $81,633 Land $16,327 Building $65,306 |
| 2023 | $40,000 Land $8,000 Building $32,000 | $70,175 Land $14,035 Building $56,140 | |
| 2020 | $2,320.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 665 Barnerville Rd in Zone AE, a high-risk flood area within the regulatory floodway; 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 | Yes |
| 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 665 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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