Schoharie County and Middleburgh Town property record for 140 Cliff St, Middleburgh, NY 12122
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,791 sqft · built 1950 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $50,000 (Oct 2018) |
| Tax Bill | $5,634 (2026) |
| Deeds & Mortgages | Jul 2023 Mortgage Oct 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 433801 106.16-4-4 |
| Primary APN | 433801 106.16-4-4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,791 sqft Living Area |
| 1st Floor Area | 1,245 sqft |
| Upper Floors Area | 546 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 20,038 sqft (0.46 acres) |
| Lot Dimensions | 175 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 250 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 185 sqft |
| Shed | 1 Shed |
| Shed Area | 75 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 491A100393 |
|---|---|
| Street Address | 140 CLIFF ST |
| City | MIDDLEBURGH |
| State | NY |
| Zip | 12122-6420 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 4 |
| Legal Lot Number | 4.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | MIDDLEBURGH |
| Census Block Group | 5 |
| Census Block | 5034 |
| Census Tract | 740700 |
140 Cliff St is owned and occupied by two individuals who bought it in October 2018.
Source: Schoharie County and Middleburgh Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 140 CLIFF ST, MIDDLEBURGH, NY 12122-6420 |
| 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 |
|---|---|
| Jul 3, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) THE NATIONAL BANK OF COXSACKIE |
| Oct 29, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance THE NATIONAL BANK OF COXSACKIE |
| Oct 9, 2018 | Deed of Trust, Mortgage NATIONAL BANK OF COXSACKIE |
| Oct 9, 2018 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 9, 2018 · Amount on File |
| Deed Sale | Oct 9, 2018 · Amount on File |
| Deed Document Number | 2018751409 |
| Prior Transfer Date | Oct 27, 2015 |
| Prior Transfer Doc | 0000001009/000000001 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 140 CLIFF ST, MIDDLEBURGH, NY 12122-6420 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 002044/113 |
|---|---|
| Date | Jul 3, 2023 |
| Book Page | 2044/113 |
| Instrument | 821847 |
| Name | THE NATIONAL BANK OF COXSACKIE |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 140 CLIFF ST, MIDDLEBURGH, NY 12122-6420 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1961/71 |
|---|---|
| Date | Oct 29, 2021 |
| Book Page | 1961/71 |
| Instrument | 797887 |
| Name | THE NATIONAL BANK OF COXSACKIE |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Nov 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 140 CLIFF ST, MIDDLEBURGH, NY 12122-6420 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001817/0000000052 |
|---|---|
| Date | Oct 9, 2018 |
| Book Page | 0000001817/0000000052 |
| Instrument | 000000751410 |
| Name | NATIONAL BANK OF COXSACKIE |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 51 Months |
| Due | Jan 1, 2023 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Oct 9, 2018 |
| Property Address | 140 CLIFF ST, MIDDLEBURGH, NY 12122-6420 |
| Document Number | 000000751409 |
| Instrument Date | Oct 5, 2018 |
| Instrument | 000000751409 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2020 STATE ROUTE 145, MIDDLEBURGH, NY 12122-5317 |
The 2026 property tax bill for 140 Cliff St was $5,634, 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 | $5,634.00 (+2.1%) | ||
| 2025 | $5,518.00 | $82,500 Land $13,200 Building $69,300 | $177,419 Land $28,387 Building $149,032 |
| 2023 | $82,500 (+17.86%) Land $13,200 Building $69,300 | $161,765 (+24.79%) Land $25,882 Building $135,883 | |
| 2022 | $70,000 Land $13,200 Building $56,800 | $129,630 Land $24,445 Building $105,185 | |
| 2021 | $1,482.00 (-68.68%) | ||
| 2020 | $4,732.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 140 Cliff 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 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 |
|
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 140 Cliff 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: 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 |
| 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.
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 |
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