108 Prospect St, Middleburgh, NY 12122 Property Records

Schoharie County and Middleburgh Town property record for 108 Prospect St, Middleburgh, NY 12122

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,314 sqft · built 1976
Lot Size	0.56 acres (24,394 sqft)
Owner	Individual Name on File
Last Sale	$109,500 (Feb 2019)
Tax Bill	$5,757 (2026)
Deeds & Mortgages	Feb 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`433801 106.16-5-17`

Property Details

APN / Parcel Number

Primary APN	`433801 106.16-5-17`
Alternative APNs	`380110601600050170000000` `491A100446`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,314 sqft Living Area
1st Floor Area	1,314 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	24,394 sqft (0.56 acres)
Lot Dimensions	226 ft deep x 109 ft wide
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	64 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	491A100446
Street Address	108 PROSPECT ST
City	MIDDLEBURGH
State	NY
Zip	12122-6416
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	5
Legal Lot Number	17.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	MIDDLEBURGH
Census Block Group	5
Census Block	5006
Census Tract	740700

Owner

108 Prospect St is owned and occupied by an individual who bought it in February 2019.

Source: Schoharie County and Middleburgh Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	108 PROSPECT ST, MIDDLEBURGH, NY 12122-6416
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 15, 2019 · Amount on File
Deed Sale	Feb 15, 2019 · Amount on File
Deed Document Number	2019757013
Deed Book / Page	1086 / 131
Record Updated	Oct 29, 2026

February 2019: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Feb 15, 2019
Property Address	108 PROSPECT ST, MIDDLEBURGH, NY 12122-6416
Document Number	001086/131
Book / Page	1086 / 131
Instrument Date	Feb 11, 2019
Instrument	757013
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 808, MIDDLEBURGH, NY 12122-0808

Tax Assessment & Valuation

The 2026 property tax bill for 108 Prospect St was $5,757, up 5.2% from the year before.

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
Municipality	Middleburgh Village
Unified School District	Middleburgh Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,757.00 (+5.23%)
2025	$5,471.00	$84,300 Land $14,100 Building $70,200	$181,290 Land $30,323 Building $150,967
2023		$81,800 (-) Land $14,100 Building $67,700	$160,392 (+5.88%) Land $27,647 Building $132,745
2022		$81,800 Land $14,100 Building $67,700	$151,481 Land $26,111 Building $125,370
2021	$1,515.00 (-68.69%)
2020	$4,839.00

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

Flood

FEMA maps place 108 Prospect St in Zone X, an area of minimal flood risk, though there have been 124 flood claims nearby since 1980.

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
Flood Insurance Cost	Premium on File median of 50 policies
Nearby Flood Policies	50 in force
Nearby Flood Claims	124 (1980–2021)
Claims Outside the SFHA	11 of 124
Most Recent Claim	Jul 2021 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 73 claims Severe Storms And Flooding, Apr 2005 · 23 claims Flooding, Apr 1987 · 10 claims

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

Wildfire risk around 108 Prospect St is low, with a 0.01% annual chance of 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MIDDLEBURGH VILLAGE serves 1,500 people · EPA ID NY4700096
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	5 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
MIDTEL Fiber	500 / 100
T-Mobile Fixed Wireless	100 / 20