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982 Caverns Rd, Howes Cave, NY 12092 Property Records

Schoharie County and Esperance Town property record for 982 Caverns Rd, Howes Cave, NY 12092 · Last verified May 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms1.5 Baths
Year BuiltBuilt 2008
Square Footage1,794 sqft Living Area
Lot Size148,104 sqft (3.4 acres)
OccupancyOwner Occupied
Last Sale$170,212 (2018)
Tax Bill$6,102.00 (2025)

Property Details

APN / Parcel Number

Primary APN433089 47.-1-12.2
Alternative APNs
  • 308904700000010120020000
  • 455J209001

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Partial Baths1 Partial Baths
Building Area1,794 sqft Living Area
1st Floor1,794 sqft 1st Floor
Game RoomGame Room
Stories1 Stories

Exterior

Year BuiltBuilt 2008
Effective Year BuiltEffective 2008
Architectural StyleRaised Ranch Style
Exterior MaterialAluminum/Vinyl Exterior
Lot Area148,104 sqft (3.4 acres)
Lot Width200 ft Width
Porch Area240 sqft Porch

Utilities and HVAC

Heating SystemForced Air with Air Conditioning Heating
Heating FuelOil Heating Fuel
SewageSeptic Sewage
Water SourceWell Water Source

Location & Zoning

Account Number455J209001
Street Address982 CAVERNS RD
CityHOWES CAVE
StateNY
Zip12092-1708
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal Block1
Legal Lot Number12.002
JurisdictionSCHOHARIE NY
Minor Civil DivisionESPERANCE
Census Blockgroup1
Census Block1027
Census Tract740100

Owner

Source: Schoharie County and Esperance Town records · APN 433089 47.-1-12.2

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 RecordIndividual Name on File
Mailing Address982 CAVERNS RD, HOWES CAVE, NY 12092-1708
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jul 20, 2023Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
SECRETARY HOUSING URBAN DEVELOPMENT
Nov 29, 2018Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
CARRINGTON MORTGAGE SERVICES LLC
Nov 29, 2018Deed, Transfer
Nov 29, 2018Deed, Transfer
Apr 03, 2018Deed, Transfer

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 29, 2018 · Amount on Record
Deed SaleNov 29, 2018 · Amount on Record
Prior SaleApr 03, 2018 · Amount on Record
Deed Doc Number2018753936
Deed Book / Page1081 / 191
Record RefreshedJun 08, 2026

July 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHOHARIE NY
Property Address982 CAVERNS RD, HOWES CAVE, NY 12092-1708
Transaction TypeMortgage
Record UpdatedAug 08, 2023
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number002045/241
DateJul 20, 2023
Book Page2045/241
Instrument821992
Lender
NameSECRETARY HOUSING URBAN DEVELOPMENT
TypeGovernment Agency
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term481 Months
DueAug 01, 2063

November 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHOHARIE NY
Property Address982 CAVERNS RD, HOWES CAVE, NY 12092-1708
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000001823/0000000210
DateNov 29, 2018
Book Page0000001823/0000000210
Instrument000000753937
Lender
NameCARRINGTON MORTGAGE SERVICES LLC
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term350 Months
DueJan 01, 2048

November 2018: Deed, Transfer

Document TypeDeed
JurisdictionSCHOHARIE NY
Recording DateNov 29, 2018
Property Address982 CAVERNS RD, HOWES CAVE, NY 12092-1708
Document Number001081/194
Book / Page1081 / 194
Instrument DateOct 30, 2018
Instrument000000753940
Transaction TypeTransfer
Record UpdatedMay 12, 2022

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address111 G WESTINGHOUSE RD, HOWES CAVE, NY 12092-2819

November 2018: Deed, Transfer

Document TypeDeed
JurisdictionSCHOHARIE NY
Recording DateNov 29, 2018
Property Address982 CAVERNS RD, HOWES CAVE, NY 12092-1708
Document Number001081/191
Book / Page1081 / 191
Instrument DateOct 30, 2018
Instrument000000753936
Transaction TypeTransfer
Record UpdatedMay 12, 2022

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address111 G WESTINGHOUSE RD, HOWES CAVE, NY 12092-2819

April 2018: Deed, Transfer

Document TypeDeed
JurisdictionSCHOHARIE NY
Recording DateApr 03, 2018
Property Address982 CAVERNS RD, HOWES CAVE, NY 12092-1708
Document Number001067/021
Book / Page1067 / 021
Instrument DateMar 20, 2018
Instrument000000738011
Transaction TypeTransfer
Record UpdatedMay 12, 2022

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Lis Pendens
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3364 ROUTE 20, SLOANSVILLE, NY 12160

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew York
CountySchoharie County
County SubdivisionEsperance Town
Unified School DistrictSchoharie 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.

YearTax BillAssessed ValueAssessed Market Value
2025$6,102.00 (+155.85%)$168,000 (-) Land $18,500 Building $149,500$270,968 (+7.11%) Land $29,839 Building $241,129
2023$168,000 (-) Land $18,500 Building $149,500$252,974 (+15.19%) Land $27,857 Building $225,117
2022$168,000 Land $18,500 Building $149,500$219,608 Land $24,183 Building $195,425
2021$2,385.00 (-61.67%)
2020$6,223.00

Flood & Wildfire

982 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 ZoneZone X
minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard AreaNo

Wildfire

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

Wildfire Risk to HomesLow
20th percentile of exposed land nationally · 55th in New York
Wildfire LikelihoodLow — about 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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

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