143 Lower Rd, Middleburgh, NY 12122 Property Records

Schoharie County and Middleburgh Town property record for 143 Lower Rd, Middleburgh, NY 12122

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,150 sqft · built 1997
Lot Size	11.3 acres (493,099 sqft)
Owner	2 Individual Names on Record
Last Sale	$339,500 (Jul 2025)
Tax Bill	$4,565 (2026)
Deeds & Mortgages	Jun 2017 Mortgage Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`433889 107.-3-4.2`

Property Details

APN / Parcel Number

Primary APN	`433889 107.-3-4.2`
Alternative APNs	`388910700000030040020000` `495J197008`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,150 sqft Living Area
1st Floor Area	1,150 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	493,099 sqft (11.3 acres)
Lot Width	725 ft Width

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	495J197008
Street Address	143 LOWER RD
City	MIDDLEBURGH
State	NY
Zip	12122-5832
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Block	3
Legal Lot Number	4.002
Jurisdiction	SCHOHARIE NY
Township / Civil Division	MIDDLEBURGH
Census Block Group	5
Census Block	5021
Census Tract	740700

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	143 LOWER RD, MIDDLEBURGH, NY 12122-5832
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2017	Deed of Trust, Mortgage STATE EMPLOYEE FCU (NY)
Dec 30, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage CAPITAL COMMUNICATIONS FCU
Jun 8, 2017	Deed, Transfer NOT AVAILABLE, MICHAEL SHULTES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2025 · Amount on Record
Deed Sale	Jul 30, 2025 · Amount on Record
Prior Sale	Dec 30, 2019 · Amount on Record
Deed Document Number	2025829404
Deed Book / Page	1239 / 109
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	143 LOWER RD, MIDDLEBURGH, NY 12122-5832
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001761/0000000288
Date	Jun 8, 2017
Book Page	0000001761/0000000288
Instrument	000000720368

Lender

Name	STATE EMPLOYEE FCU (NY)

Agreement

Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2047

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Dec 30, 2019
Property Address	143 LOWER RD, MIDDLEBURGH, NY 12122-5832
Document Number	001105/169
Book / Page	1105 / 169
Instrument Date	Dec 16, 2019
Instrument	771738
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Amount	Amount Recorded
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	52 BELLVIEW TER, RENSSELAER, NY 12144-1603

Mortgage

Document Number	0000771740
Date	Dec 30, 2019
Instrument	771740

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	001105/169
Date	Dec 30, 2019
Book Page	1105/169
Instrument	771738

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Jun 8, 2017
Property Address	143 LOWER RD, MIDDLEBURGH, NY 12122-5832
Document Number	0000001046/0000000185
Book / Page	0000001046 / 0000000185
Instrument Date	May 25, 2017
Transaction Type	Transfer
Record Updated	May 12, 2022
Title Company	NOT AVAILABLE, MICHAEL SHULTES

Transaction

Amount	Amount Recorded
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	143 LOWER RD, MIDDLEBURGH, NY 12122-5832

Tax Assessment & Valuation

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,565.00 (+2.33%)
2025	$4,461.00 (+131.98%)	$86,000 (-) Land $18,700 Building $67,300	$184,946 (+9.68%) Land $40,215 Building $144,731
2023		$86,000 (-) Land $18,700 Building $67,300	$168,627 (+5.88%) Land $36,667 Building $131,960
2022		$86,000 Land $18,700 Building $67,300	$159,259 Land $34,630 Building $124,629
2021	$1,923.00 (-58.38%)
2020	$4,620.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 Record 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

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

Provider	Max Down / Up (Mbps)
MIDTEL Fiber	500 / 100

Cell Coverage

No cell data coverage reported

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