189 Church Street Howes Cave, NY ^$ 274,900

189 Church Street

^$ 274,900

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189 Church Street

Howes Cave, NY, 12092

^$ 274,900

Bedrooms3 Baths2.0 Sq 1,560

Monthly Estimate*

^$ 1,736

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Single Family Home for sale in Howes Cave, NY

for $274,900 with 3 bedrooms and 2 full baths. This 1,560 square foot home was built in 1949 on a lot size of 0.3.

Living in a small town in beautiful Schoharie County! Welcome to 189 Church Street in the hamlet of Howes Cave. This charming 3 bedroom, 2 full bath 1560 sq. ft. two story has been thoughtfully updated perfect for relaxing at home or entertaining friends. Large new deck, a brand new second floor bedroom and new bath that is a great private space for a office, bedroom, or in-law. A completely fenced in back yard is perfect to corral the kids or the pups. Room for great gardens! Covered rear porch. Detached garage for the car or workshop. Great space for the fire pit and star gazing the beautiful country night sky. Easy access to Albany with a 3 minute drive to the I-88 on ramp. If you are looking for a home that blends comfort, updates, privacy, and convenience, this one is a must-see. Schedule your showing today and experience the charm of 189 Church Street for yourself!

Single Family Active

Price

^$ 274,900

Bedrooms

Full Bath

Property Type

Single Family

Taxes

^$ 3,531

Style

Cottage

Lot Size

0.3

Year Built

1949

Town/City

Howes Cave

County/Region

Schoharie

MLS | Web ID

202622100

Features

Interior

Interior Amenities High Speed Internet Paddle Fan

Basement Other Full Heated Sump Pump

Flooring Tile Laminate

Total Fireplaces 0

Fireplace Features Other Basement Living Room Pellet Stove

Basement (Y/N) N

Air Conditioning Y/N N

Heating Y/N Y

Window Features Low Emissivity Windows Insulated Windows

Fireplace Y/N N

Above Grade Finished Area 1560.0

Half Baths 0

Laundry Features Electric Dryer Hookup Laundry Room Main Level Washer Hookup

Total Bedrooms 3

Below Grade Finished Area 0.0

Below Grade Finished Area Source Public Records

Above Grade Finished Area Source Public Records

Total Baths 2

General

Sewer Septic Tank

Heating Baseboard Electric Pellet Stove Propane Propane Tank Owned Radiant Zoned

Cooling None

Utilities Cable Available

Possession At Closing

Roof Metal

Appliances Dishwasher Electric Water Heater Oven Range Refrigerator

Garage Spaces 1.0

Patio/Porch Features Rear Porch Covered Deck Porch

Architectural Style Cottage

Construction Materials Other Block Vinyl Siding

Year Built 1949

Electric 200+ Amp Service

Property Subtype Single Family Residence

County Schoharie

New Construction N

Property Type Residential

HOA N

Attached Garage N

Garage Y/N Y

Other Structures Shed(s) Garage(s)

Total Rooms 10

Full Baths 2

Status Active

Directions State Route 7 to 30A north. First left on Church Street. On the corner of Church and Chase Drive on left.

City Schoharie

High School District Schoharie

Lot Size Units Acres

Lot Size Square Feet 13068.0

Carport Y/N N

Land Lease Y/N N

Tax Annual Amount 3531.99

Home Warranty Y/N N

Property Condition Updated/Remodeled

Lease Renewal Y/N N

Additional Parcels Y/N N

Lease Considered Y/N N

Rent Control Y/N N

Standard Status Active

Tax Assessed Value 0

Tax Lot 1.000

Exterior

Exterior Amenities Drive-Paved Garden

Fencing Back Yard Chain Link Perimeter

Parking Features Off Street Workshop in Garage Paved Driveway

Lot Features Level Road Frontage Cleared Corner Lot Garden Landscaped

Water Source Public

Total Parking 6.0

Lot Size Area 0.3

Foundation Details Block

Spa N

Lot Dimensions 60' x 195'

Lot Size Acres 0.3

Waterfront Y/N N

Crops Included Y/N N

Horse Y/N N

Irrigation Water Rights Y/N N

Internal Only

Street Number 1 189

* Excluded Features

List By

Scot Wentworth

Listing Agent

United Country Real Estate Upstate New York Living

Broker

(518) 231-0509

Phone

realtorscot@gmail.com

Affordability Calculator

$2,030

Per Month

Monthly Principal & Interest: $1,736
Monthly Property Taxes: $294
Monthly Home Insurance: --

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Down Payment

Loan Term

Interest Rate

Yearly Property Taxes

Yearly Home Insurance

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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Nearby

Trends
Schools

Single family listings in Howes Cave, NY

Average List Price ^$169,633

Percent of Sale Price 38%

About Howes Cave, NY

1,374 Population

2% Since 2002

^$55,753 Median Income

45.64 Median Age

18% Households with Children

View more area information

Trends Information provided by ATTOM Data Solutions.

3061915 Elementary School

3061917 Middle School

Unknown High School High School

Pricing History

Date	Price	Price Change	Description
7/17/2026	$274,900		Listed Price

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189 Church Street, Howes Cave, NY, 12092 is a Single Family Home for sale at $274,900 with 1,560 sqft and a lot size of 0.3. 189 Church Street has 3 bedrooms, 2.0 baths, and was built in 1949. The property's zip code is 12092 which is in Howes Cave, NY

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

The data relating to real estate for sale on this web site comes in part from The Internet Data Exchange Program of ©2019 Global Multiple Listing Service, Inc. The data relating to real estate on this website comes in part from the Internet Data Exchange program of the GMLS. All information is deemed reliable but not guaranteed and should be independently verified. All properties subject to prior sale, change, or withdrawal. Neither listing broker(s), GMLS shall be responsible for any typographical errors, misinformation, or misprints, and shall be held totally harmless from any damages arising from reliance upon these data. IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties they may be interested in purchasing.

Data is updated as of 7/18/2026.

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189 Church Street

Single Family Home for sale in Howes Cave, NY

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