138 River St, Middleburgh, NY 12122 Property Records

Schoharie County and Middleburgh Town property record for 138 River St, Middleburgh, NY 12122

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,930 sqft · built 1860
Lot Size	4.4 acres (191,664 sqft)
Owner	2 Individual Names on File
Tax Bill	$9,424 (2026)
Deeds & Mortgages	Feb 2025 Sale
Flood Zone	Zone AE (high risk)
APN	`433801 106.11-3-3`

Property Details

APN / Parcel Number

Primary APN	`433801 106.11-3-3`
Alternative APNs	`380110601100030030000000` `491A100247`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,930 sqft Living Area
1st Floor Area	2,090 sqft
2nd Floor Area	840 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	191,664 sqft (4.4 acres)
Lot Width	260 ft Width
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	384 sqft
Patio Area	209 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	491A100247
Street Address	138 RIVER ST
City	MIDDLEBURGH
State	NY
Zip	12122
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	H
Legal Block	3
Legal Lot Number	3.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	MIDDLEBURGH
Census Block Group	5
Census Block	5012
Census Tract	740700

Owner

138 River St is owned by two individuals who acquired it in January 2007.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 464, MIDDLEBURGH, NY 12122-0464
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	2 Names on Deed
Last Sale	Sep 6, 1996
Deed Sale	Sep 6, 1996
Deed Book / Page	602 / 19
Last Transfer Date	Jan 31, 2007
Transfer Doc	0000000829/000000023
Record Updated	Oct 29, 2026

February 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Feb 18, 2025
Property Address	138 RIVER ST, MIDDLEBURGH, NY 12122
Document Number	001229/141
Book / Page	1229 / 141
Instrument Date	Jan 18, 2025
Instrument	827843
Transaction Type	Transfer
Record Updated	Apr 16, 2026

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
Relationship	Joint Tenants with Right of Survivorship
Address	7 SHINNECOCK RD, QUOGUE, NY 11959-4278

Tax Assessment & Valuation

The 2026 property tax bill for 138 River St was $9,424, up 4.5% 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	$9,424.00 (+4.55%)
2025	$9,014.00	$138,000 Land $21,000 Building $117,000	$296,774 Land $45,161 Building $251,613
2023		$138,000 (-) Land $21,000 Building $117,000	$270,588 (+5.88%) Land $41,176 Building $229,412
2022		$138,000 Land $21,000 Building $117,000	$255,556 Land $38,889 Building $216,667
2021	$2,382.00 (-63.8%)
2020	$6,580.00

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

Flood

FEMA maps place 138 River St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 138 River 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.

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 225 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
MIDTEL Fiber	500 / 100
T-Mobile Fixed Wireless	100 / 20