145 Kramer Rd, Middleburgh, NY 12122 Property Records

Schoharie County and Broome Town property record for 145 Kramer Rd, Middleburgh, NY 12122

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,344 sqft · built 2018
Lot Size	4.57 acres (199,069 sqft)
Owner	2 Individual Names on Record
Tax Bill	$9,854 (2026)
Deeds & Mortgages	Feb 2022 Refinance Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`432200 151.-2-7.12`

Property Details

APN / Parcel Number

Primary APN	`432200 151.-2-7.12`
Alternative APN	`415J211001`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Rustic
Exterior Material	Wood
Lot Area	199,069 sqft (4.57 acres)
Lot Width	512 ft Width
Porch	Slab
Porch Area	800 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	415J211001
Street Address	145 KRAMER RD
City	MIDDLEBURGH
State	NY
Zip	12122-5009
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Block	2
Legal Lot Number	7.012
Jurisdiction	SCHOHARIE NY
Township / Civil Division	BROOME
Census Block Group	3
Census Block	3020
Census Tract	740800

Owner

Source: Schoharie County and Broome 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	145 KRAMER RD, MIDDLEBURGH, NY 12122-5009
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CHEMUNG CANAL TRUST CO
Sep 15, 2017	Deed of Trust, Mortgage PATRIOT FEDERAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	145 KRAMER RD, MIDDLEBURGH, NY 12122-5009
Transaction Type	Mortgage
Record Updated	Mar 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001982/198
Date	Feb 25, 2022
Book Page	1982/198
Instrument	806839

Lender

Name	CHEMUNG CANAL TRUST CO
Type	Funding / Finance Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	169 Months
Due	Mar 1, 2036

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	145 KRAMER RD, MIDDLEBURGH, NY 12122-5009
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001773/0000000203
Date	Sep 15, 2017
Book Page	0000001773/0000000203
Instrument	000000725629

Lender

Name	PATRIOT FEDERAL BANK

Agreement

Amount	Amount Recorded
Term	364 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,854.00 (+8.74%)
2025	$9,062.00 (+137.41%)	$382,400 (+27%) Land $35,600 Building $346,800	$382,400 (+27%) Land $35,600 Building $346,800
2023		$301,100 (+23.91%) Land $34,200 Building $266,900	$301,100 (+7.8%) Land $34,200 Building $266,900
2022		$243,000 Land $27,900 Building $215,100	$279,310 Land $32,069 Building $247,241
2021	$3,817.00 (-55.33%)
2020	$8,544.00

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

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
Nearby Flood Policies	2 in force

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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

Cell Coverage

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

Nearby Properties on Kramer Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures