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Single Family ResidenceResidential
$175,717$122 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

3198 STATE ROUTE 7

HOWES CAVE, NY 12092
2
Beds
1 / 1
Baths
1,444 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.4 ac
Lot SizeThe size of the land the home sits on, from county records.
1920
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$176K
$163K low$188K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,594 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$115,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$6,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$108,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$115,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$185,484

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.169 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Traditional/Old
CountySCHOHARIE
Lot (acres)The size of the land the home sits on, from county records.0.40
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
William H Golding Middle SchoolD
Middle · Grades 6–9 · 6.7 mi
E
George D Ryder Elementary School
Elementary · Grades PK–6 · 6.8 mi
H
Cobleskill-Richmondville High SchoolC
High · Grades 9–12 · 8.6 mi

District: Cobleskill-Richmondville Central School District

Neighborhood · ZIP 12092These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.71
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.83
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.62

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.6.1%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.1,736
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.102 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$71,767
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$90,802
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.37 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.49%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3198 State Route 7 measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 79% of homes in Schoharie County
  • Costs less per square foot than 76% of homes in Schoharie County
  • Smaller than 66% of homes in Howes Cave 12092
  • Has a smaller lot than 85% of homes in Schoharie County
  • Older than 71% of homes in Schoharie County

What homes are worth in Howes Cave 12092

Each bar is how many homes fall in that price range. The marker is this home.

This home
$86K$560K

This home is worth more than 28% of homes in Howes Cave 12092.

How it measures up in Howes Cave 12092

The dot is this home. The mark in the middle is the typical home in Howes Cave 12092.

Estimated value$175,717
CheaperTypical $246,224Pricier

Pricier than 28% of homes nearby

Price per ft²$122
CheaperTypical $148Pricier

Pricier than 32% of homes nearby

Living area1,444 ft²
SmallerTypical 1,636 ft²Bigger

Bigger than 34% of homes nearby

Lot size0.4 ac
SmallerTypical 1.86 acBigger

Bigger than 16% of homes nearby

Year built1920
OlderTypical 1960Newer

Newer than 35% of homes nearby

How 3198 State Route 7 ranks against every home in each area.
MeasureThis homeHowes Cave 12092Schoharie County
Estimated valuepricier than$175,71728% of homes21% of homes
Price per ft²pricier than$12232% of homes24% of homes
Living areabigger than1,444 ft²34% of homes47% of homes
Lot sizebigger than0.4 ac16% of homes15% of homes
Year builtnewer than192035% of homes29% of homes

About 3198 State Route 7

How much is 3198 State Route 7, Howes Cave, NY worth?

The TopHap Estimate for 3198 State Route 7, Howes Cave, NY is $175,717 as of Aug 30, 2026. The likely range is $163,011 to $188,423. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3198 State Route 7, Howes Cave, NY last sell?

3198 State Route 7, Howes Cave, NY last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 3198 State Route 7, Howes Cave, NY?

3198 State Route 7, Howes Cave, NY has 2 bedrooms, 1 bathrooms, 1,444 square feet of living space and a 0.40-acre lot.

When was 3198 State Route 7, Howes Cave, NY built?

3198 State Route 7, Howes Cave, NY was built in 1920, making it 106 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 3198 State Route 7, Howes Cave, NY?

3198 State Route 7, Howes Cave, NY is assigned to William H Golding Middle School (middle), rated D; George D Ryder Elementary School (elementary); Cobleskill-Richmondville High School (high), rated C. All sit in Cobleskill-Richmondville Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3198 State Route 7, Howes Cave, NY compare to other homes in Howes Cave 12092?

Among the 483 homes in Howes Cave 12092, it is worth more than 28% of them ($175,717 against a typical $246,224), its price per square foot is higher than 32% of them ($122 against a typical $148), it is bigger than 34% of them (1,444 ft² against a typical 1,636 ft²), its lot is bigger than 16% of them (0.4 ac against a typical 1.86 ac) and it is newer than 35% of them (1920 against a typical 1960). Measured against all of Schoharie County, it is worth more than 21% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3198 State Route 7, Howes Cave, NY?

The 2025 property tax bill for 3198 State Route 7, Howes Cave, NY was $4,594. The county assessed it at $115,000.

More homes on State Route 7

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More homes in Howes Cave 12092

Assigned schools

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