926 Caverns Rd, Howes Cave, NY 12092 Property Records

Schoharie County and Cobleskill Town property record for 926 Caverns Rd, Howes Cave, NY 12092 · Last verified May 2026

Property Highlights

Property Type	Residential > Prefabricated > Mobile Home
Architecture Style	Mobile Home
Year Built	Built 1988
Square Footage	1,568 sqft Living Area
Lot Size	322,344 sqft (7.4 acres)
Garage	Detached, 720 sqft
Occupancy	Owner Occupied
Tax Bill	$3,244.00 (2025)

Owner

Source: Schoharie County and Cobleskill Town records · APN 432689 46.-3-9

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	926 CAVERNS RD, HOWES CAVE, NY 12092-1708
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Refreshed	Jun 08, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	926 CAVERNS RD, HOWES CAVE, NY 12092-1708
Transaction Type	Mortgage
Record Updated	Mar 11, 2026
Title Company	MARTIN TITLE, MARATHON TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002143/154
Date	Feb 17, 2026
Book Page	2143/154
Instrument	831379

Lender

Name	FIRST NEW YORK FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	181 Months
Due	Mar 01, 2041

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	$3,244.00 (-36.95%)	$71,400 (-) Land $23,600 Building $47,800	$145,714 (+16.33%) Land $48,163 Building $97,551
2023		$71,400 Land $23,600 Building $47,800	$125,263 Land $41,403 Building $83,860
2020	$5,145.00

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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

Property Details

APN / Parcel Number

Primary APN	`432689 46.-3-9`
Alternative APNs	`268904600000030090000000` `435J174022`

Interior

Building Area	1,568 sqft Living Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Mobile Home Style
Lot Area	322,344 sqft (7.4 acres)
Lot Width	590 ft Width
Parking Spaces	3 Parking Spaces
Garage Type	Detached Garage
Garage Area	720 sqft Garage
Porch Area	80 sqft Porch

Utilities and HVAC

Sewage	Septic Sewage
Water Source	Well Water Source

Location & Zoning

Account Number	435J174022
Street Address	926 CAVERNS RD
City	HOWES CAVE
State	NY
Zip	12092-1708
Property Usage	Residential Property Usage
Type	Residential > Prefabricated > Mobile Home
Legal Description	VAC LAND
Legal Block	3
Legal Lot Number	9.000
Jurisdiction	SCHOHARIE NY
Minor Civil Division	COBLESKILL
Census Blockgroup	2
Census Block	2001
Census Tract	740200