134 Main St, Jefferson, NY 12093 Property Records

Schoharie County and Jefferson Town property record for 134 Main St, Jefferson, NY 12093

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 3,256 sqft · built 1900
Lot Size	1.8 acres (78,408 sqft)
Owner	2 Individual Names on File
Last Sale	$135,000 (Oct 2020)
Tax Bill	$6,023 (2026)
Deeds & Mortgages	Sep 2023 Line of Credit Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`433600 157.3-3-6.1`

Property Details

APN / Parcel Number

Primary APN	`433600 157.3-3-6.1`
Alternative APNs	`43360015700300030060000000` `485J100580`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	3,256 sqft Living Area
1st Floor Area	1,836 sqft
2nd Floor Area	1,420 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1950
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	78,408 sqft (1.8 acres)
Lot Width	135 ft Width
Porch	Slab
Porch Area	600 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	485J100580
Street Address	134 MAIN ST
City	JEFFERSON
State	NY
Zip	12093-4100
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	3
Legal Lot Number	6.001
Jurisdiction	SCHOHARIE NY
Township / Civil Division	JEFFERSON
Census Block Group	3
Census Block	3017
Census Tract	740600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Jefferson Historic District listed 2025 · 112 contributing resources · NRIS 100011783

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

134 Main St is owned and occupied by two individuals who bought it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	134 MAIN ST, JEFFERSON, NY 12093-4100
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

Date	Document
Sep 28, 2023	Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU
Oct 19, 2020	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Oct 28, 2020	Deed, Transfer · Stand-Alone First Mortgage BANK OF RICHMONDVILLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2020 · Amount on File
Deed Sale	Oct 28, 2020 · Amount on File
Prior Sale	Dec 21, 2009 · Amount on File
Deed Document Number	2020781504
Deed Book / Page	1123 / 138
Prior Transfer Date	Sep 22, 2007
Prior Transfer Doc	0000000846/000000000
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	134 MAIN ST, JEFFERSON, NY 12093-4100
Transaction Type	Mortgage
Record Updated	Oct 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002054/286
Date	Sep 28, 2023
Book Page	2054/286
Instrument	822779

Lender

Name	FIRST NEW YORK FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2038

Interest

Rate Type	Adjustable Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	134 MAIN ST, JEFFERSON, NY 12093-4100
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001899/99
Date	Oct 19, 2020
Book Page	1899/99
Instrument	781126

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	229 Months
Due	Nov 1, 2039

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Oct 28, 2020
Property Address	134 MAIN ST, JEFFERSON, NY 12093-4100
Document Number	001123/138
Book / Page	1123 / 138
Instrument Date	Oct 19, 2020
Instrument	781504
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	60 SEAMAN AVE APT 6F, 6F, NEW YORK, NY 10034-2864

Mortgage

Document Number	001901/264
Date	Oct 28, 2020
Book Page	1901/264
Instrument	781505

Lender

Name	BANK OF RICHMONDVILLE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 134 Main St was $6,023, up 1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,023.00 (+9.99%)
2025	$5,476.00	$90,300 Land $21,440 Building $68,860	$237,632 Land $56,421 Building $181,211
2023		$90,300 (-) Land $21,440 Building $68,860	$215,000 (+11.9%) Land $51,048 Building $163,952
2022		$90,300 Land $21,440 Building $68,860	$192,128 Land $45,617 Building $146,511
2021	$3,480.00 (+10.51%)
2020	$3,149.00

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

Flood

FEMA maps place 134 Main St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1992.

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 Claims	3 (1992–2012)
Most Recent Claim	Oct 2012 · Hurricane Sandy

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 134 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
MTC Cable Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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