815 Caverns Rd, Howes Cave, NY 12092 Property Records

Schoharie County and Cobleskill Town property record for 815 Caverns Rd, Howes Cave, NY 12092 · Last verified May 2026

Property Highlights

Property Type	Residential > Multi-Unit > Duplex
Bedrooms	5 Beds
Bathrooms	2 Baths
Year Built	Built 1956
Square Footage	1,824 sqft Total Area
Lot Size	43,560 sqft (1 acres)
Occupancy	Owner Occupied
Last Sale	$116,000 (2016)
Tax Bill	$4,162.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`432689 46.-3-29`
Alternative APNs	`268904600000030290000000` `435J100587`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Building Area	1,824 sqft Total Area
1st Floor	912 sqft 1st Floor
2nd Floor	912 sqft 2nd Floor
Stories	2 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Colonial Style
Exterior Material	Wood Exterior
Lot Area	43,560 sqft (1 acres)
Lot Width	208 ft Width
Parking Spaces	2 Parking Spaces
Garage Type	Detached Garage
Garage Area	540 sqft Garage
Shed	1 Shed
Porch Area	236 sqft Porch

Utilities and HVAC

Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Oil Heating Fuel
Sewage	Septic Sewage
Water Source	Well Water Source

Location & Zoning

Account Number	435J100587
Street Address	815 CAVERNS RD
City	HOWES CAVE
State	NY
Zip	12092-1707
Property Usage	Residential Property Usage
Type	Residential > Multi-Unit > Duplex
Legal Description	HOUSE & GARAGE
Legal Block	3
Legal Lot Number	29.000
Jurisdiction	SCHOHARIE NY
Minor Civil Division	COBLESKILL
Census Blockgroup	2
Census Block	2002
Census Tract	740200

Owner

Source: Schoharie County and Cobleskill Town records · APN 432689 46.-3-29

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	Individual Name on File
Mailing Address	815 CAVERNS RD, HOWES CAVE, NY 12092-1707
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 19, 2016 · Amount on Record
Deed Sale	Jul 19, 2016 · Amount on Record
Prior Sale	Oct 22, 2015 · Amount on Record
Deed Book / Page	1025 / 207
Prior Transfer Date	Feb 11, 2004
Prior Transfer Doc	0755000212
Record Refreshed	Jun 08, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	815 CAVERNS RD, HOWES CAVE, NY 12092-1707
Transaction Type	Mortgage
Record Updated	Sep 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001980/215
Date	Feb 11, 2022
Book Page	1980/215
Instrument	805359

Lender

Name	FIRST NATIONAL BANK SCOTIA
Type	Bank

Agreement

Type	Adjustable Rate Mortgage (ARM)
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.97%
Type Change Date	Mar 01, 2029
Index	Other
Margin	3

Tax Assessment & Valuation

Source: Schoharie County and Cobleskill Town records · Assessment roll updated May 14, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	New York
County	Schoharie County
County Subdivision	Cobleskill Town
Unified School District	Cobleskill-Richmondville Central School District (PK - 12)

Tax Bill & Assessment History

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	$4,162.00	$91,600 (-) Land $11,000 Building $80,600	$186,939 (+16.33%) Land $22,449 Building $164,490
2023		$91,600 (-) Land $11,000 Building $80,600	$160,702 (+12.28%) Land $19,298 Building $141,404
2022		$91,600 Land $11,000 Building $80,600	$143,125 Land $17,187 Building $125,938
2020	$4,051.00

Flood & Wildfire

815 Caverns Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Schoharie County (36095C), updated February 16, 2012

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 20th percentile of exposed land nationally · 55th in New York
Wildfire Likelihood	Low — about 1 in 10,000 per year
Exposure	Indirect within ember reach of burnable land · adjoins burnable vegetation

Values are read at the parcel center point; lenders make the official flood determination.