103 Decker Rd, Middleburgh, NY 12122 Property Records

Schoharie County and Middleburgh Town property record for 103 Decker Rd, Middleburgh, NY 12122

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,682 sqft · built 1966
Lot Size	1.25 acres (54,450 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,177 (2025)
Deeds & Mortgages	Apr 2021 Refinance Apr 2021 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`433889 107.-4-1`

Property Details

APN / Parcel Number

Primary APN	`433889 107.-4-1`
Alternative APNs	`388910700000040010000000` `495J100608`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,682 sqft Living Area
1st Floor Area	1,682 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Ranch
Exterior Material	Composition/Composite
Lot Area	54,450 sqft (1.25 acres)
Lot Width	197 ft Width
Garage Type	Attached
Garage Area	551 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	78 sqft
Patio Area	624 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	495J100608
Street Address	103 DECKER RD
City	MIDDLEBURGH
State	NY
Zip	12122-5849
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Block	4
Legal Lot Number	1.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	MIDDLEBURGH
Census Block Group	2
Census Block	2047
Census Tract	740700

Owner

Source: Schoharie County and Middleburgh Town records, as of May 14, 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 Record
Mailing Address	103 DECKER RD, MIDDLEBURGH, NY 12122-5849
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance THE NATIONAL BANK OF COXSACKIE
Apr 27, 2021	Warranty Deed, Transfer
Aug 10, 2018	Deed of Trust, Mortgage COMMUNITY BANK & TRUST
Aug 10, 2018	Intrafamily Transfer, Transfer
Aug 10, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 15, 2021
Transfer Doc	001135/222
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	103 DECKER RD, MIDDLEBURGH, NY 12122-5849
Transaction Type	Mortgage
Record Updated	Mar 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001930/238
Date	Apr 27, 2021
Book Page	1930/238
Instrument	787091

Lender

Name	THE NATIONAL BANK OF COXSACKIE
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Apr 27, 2021
Property Address	103 DECKER RD, MIDDLEBURGH, NY 12122-5849
Document Number	1135/222
Book / Page	1135 / 222
Instrument Date	Apr 15, 2021
Instrument	787090
Transaction Type	Transfer
Record Updated	May 18, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 DECKER RD, MIDDLEBURGH, NY 12122-5849

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	103 DECKER RD, MIDDLEBURGH, NY 12122-5849
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001811/0000000246
Date	Aug 10, 2018
Book Page	0000001811/0000000246
Instrument	000000747531

Lender

Name	COMMUNITY BANK & TRUST
Type	Bank

Agreement

Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2048

August 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SCHOHARIE NY
Recording Date	Aug 10, 2018
Property Address	103 DECKER RD, MIDDLEBURGH, NY 12122-5849
Document Number	001074/298
Book / Page	1074 / 298
Instrument Date	Aug 3, 2018
Instrument	000000747529
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	851 COTTON HILL RD, BERNE, NY 12023-4409

August 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SCHOHARIE NY
Recording Date	Aug 10, 2018
Property Address	103 DECKER RD, MIDDLEBURGH, NY 12122-5849
Document Number	00001075/1
Book / Page	1075 / 1
Instrument Date	Aug 3, 2018
Instrument	000000747530
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	851 COTTON HILL RD, BERNE, NY 12023-4409

Tax Assessment & Valuation

Source: Schoharie County and Middleburgh Town assessment roll, as of May 14, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,177.00 (+132.05%)	$99,800 (-) Land $12,650 Building $87,150	$214,624 (+9.68%) Land $27,204 Building $187,420
2023		$99,800 (-) Land $12,650 Building $87,150	$195,686 (+5.88%) Land $24,804 Building $170,882
2022		$99,800 Land $12,650 Building $87,150	$184,815 Land $23,426 Building $161,389
2021	$2,231.00 (-58.39%)
2020	$5,362.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective February 16, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	2 (2007–2011)
Most Recent Claim	Aug 2011 · Hurricane Irene

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
MIDTEL Fiber	500 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

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