Schoharie County and Middleburgh Town property record for 123 Main St, Middleburgh, NY 12122
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 850 sqft · built 1870 |
| Lot Size | 0.52 acres (22,651 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $76,300 (Jul 2010) |
| Tax Bill | $3,654 (2026) |
| Deeds & Mortgages | Oct 2023 Refinance Oct 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 433801 117.8-2-10 |
| Primary APN | 433801 117.8-2-10 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 850 sqft Living Area |
| 1st Floor Area | 486 sqft |
| Upper Floors Area | 364 sqft |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1870 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 22,651 sqft (0.52 acres) |
| Lot Dimensions | 202 ft deep x 104 ft wide |
| Garage Type | Attached |
| Garage Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 491A100404 |
|---|---|
| Street Address | 123 MAIN ST |
| City | MIDDLEBURGH |
| State | NY |
| Zip | 12122-6302 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | C |
| Legal Description | WOOD FRAME |
| Legal Block | 2 |
| Legal Lot Number | 10.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | MIDDLEBURGH |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 740700 |
123 Main St is owned and occupied by two individuals who bought it in July 2010.
Source: Schoharie County and Middleburgh Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 123 MAIN ST, MIDDLEBURGH, NY 12122-6302 |
| 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.
| Date | Document |
|---|---|
| Oct 26, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance M & T BANK |
| Oct 26, 2023 | Warranty Deed, Transfer · FHA Mortgage M & T BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 2010 · Amount on File |
| Deed Sale | Jul 1, 2010 · Amount on File |
| Prior Sale | Mar 28, 2008 · Amount on File |
| Deed Book / Page | 901 / 214 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 123 MAIN ST, MIDDLEBURGH, NY 12122-6302 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2023 |
| Title Company | MISC COMPANY |
| Name | Verified Name |
|---|
| Document Number | 002057/291 |
|---|---|
| Date | Oct 26, 2023 |
| Book Page | 2057/291 |
| Instrument | 823170 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Oct 26, 2023 |
| Property Address | 123 MAIN ST, MIDDLEBURGH, NY 12122-6302 |
| Document Number | 001199/274 |
| Book / Page | 1199 / 274 |
| Instrument Date | Oct 23, 2023 |
| Instrument | 823167 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 132 COUNTY ROUTE 410, WESTERLO, NY 12193-3419 |
| Document Number | 002057/274 |
|---|---|
| Date | Oct 26, 2023 |
| Book Page | 2057/274 |
| Instrument | 823169 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
The 2026 property tax bill for 123 Main St was $3,654, up 2.1% from the year before.
Source: Schoharie County and Middleburgh Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Middleburgh Town |
| Municipality | Middleburgh Village |
| Unified School District | Middleburgh Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,654.00 (+2.12%) | ||
| 2025 | $3,578.00 | $53,500 Land $15,000 Building $38,500 | $115,054 Land $32,258 Building $82,796 |
| 2023 | $53,500 (-) Land $15,000 Building $38,500 | $104,902 (+5.88%) Land $29,412 Building $75,490 | |
| 2022 | $53,500 Land $15,000 Building $38,500 | $99,074 Land $27,778 Building $71,296 | |
| 2021 | $991.00 (-60.86%) | ||
| 2020 | $2,532.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 123 Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 18 policies |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 98 (1978–2021) |
| Claims Outside the SFHA | 8 of 98 |
| Most Recent Claim | Jul 2021 · rainfall accumulation |
| Claims by Event |
|
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 risk around 123 Main 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 52 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 |
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