972 Caverns Rd, Howes Cave, NY 12092 Property Records

Schoharie County and Esperance Town property record for 972 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 1970
Square Footage	696 sqft Living Area
Lot Size	66,211 sqft (1.52 acres)
Occupancy	Owner Occupied
Last Sale	$7,071,250 (2022)
Tax Bill	$1,816.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`433089 47.-1-13.1`
Alternative APN	`455J183015`

Interior

Building Area	696 sqft Living Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Mobile Home Style
Lot Area	66,211 sqft (1.52 acres)
Lot Width	225 ft Width
Shed	1 Shed

Utilities and HVAC

Sewage	Septic Sewage
Water Source	Well Water Source

Location & Zoning

Account Number	455J183015
Street Address	972 CAVERNS RD
City	HOWES CAVE
State	NY
Zip	12092-1708
Property Usage	Residential Property Usage
Type	Residential > Prefabricated > Mobile Home
Legal Block	1
Legal Lot Number	13.001
Jurisdiction	SCHOHARIE NY
Minor Civil Division	ESPERANCE
Census Blockgroup	1
Census Block	1027
Census Tract	740100

Owner

Source: Schoharie County and Esperance Town records · APN 433089 47.-1-13.1

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	972 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
Last Sale	Jul 13, 2022 · Amount on Record
Deed Sale	Jul 13, 2022 · Amount on Record
Prior Sale	Jun 28, 2010 · Amount on Record
Deed Doc Number	2022813495
Deed Book / Page	1169 / 201
Record Refreshed	Jun 08, 2026

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,816.00 (+403.05%)	$50,000 (-) Land $13,600 Building $36,400	$80,645 (+7.11%) Land $21,935 Building $58,710
2023		$50,000 (-) Land $13,600 Building $36,400	$75,290 (+15.19%) Land $20,479 Building $54,811
2022		$50,000 Land $13,600 Building $36,400	$65,359 Land $17,778 Building $47,581
2021	$361.00 (+1.98%)
2020	$354.00

Flood & Wildfire

972 Caverns Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct 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	Direct burnable vegetation at the parcel

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