Schoharie County and Middleburgh Town property record for 146 Union St, Middleburgh, NY 12122
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,493 sqft · built 1950 |
| Lot Size | 0.6 acres (26,136 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,421 (2026) |
| Deeds & Mortgages | Mar 2026 Sale Sep 2025 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 433801 106.16-5-1 |
| Primary APN | 433801 106.16-5-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,493 sqft Living Area |
| 1st Floor Area | 1,493 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 26,136 sqft (0.6 acres) |
| Lot Dimensions | 175 ft deep x 150 ft wide |
| Garage Type | Attached |
| Garage Area | 250 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Porch | Slab |
| Porch Area | 120 sqft |
| Patio Area | 108 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 491A100197 |
|---|---|
| Street Address | 146 UNION ST |
| City | MIDDLEBURGH |
| State | NY |
| Zip | 12122-6413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 5 |
| Legal Lot Number | 1.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | MIDDLEBURGH |
| Census Block Group | 5 |
| Census Block | 5006 |
| Census Tract | 740700 |
146 Union St is owned and occupied by an individual.
Source: Schoharie County and Middleburgh Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 146 UNION ST, MIDDLEBURGH, NY 12122-6413 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 17, 2026 | Executor's Deed, Transfer |
| Sep 26, 2025 | Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU |
| Dec 10, 2024 | Executor's Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Executor's Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Mar 17, 2026 |
| Property Address | 146 UNION ST, MIDDLEBURGH, NY 12122-6413 |
| Document Number | 001252/218 |
| Book / Page | 1252 / 218 |
| Instrument Date | Feb 26, 2026 |
| Instrument | 831669 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 146 UNION ST, MIDDLEBURGH, NY 12122-6413 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 146 UNION ST, MIDDLEBURGH, NY 12122-6413 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2025 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 002129/152 |
|---|---|
| Date | Sep 26, 2025 |
| Book Page | 2129/152 |
| Instrument | 829969 |
| Name | FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Oct 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Executor's Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Dec 10, 2024 |
| Property Address | 146 UNION ST, MIDDLEBURGH, NY 12122-6413 |
| Document Number | 001225/159 |
| Book / Page | 1225 / 159 |
| Instrument Date | Nov 27, 2024 |
| Instrument | 827216 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2033 STATE ROUTE 145, MIDDLEBURGH, NY 12122-5318 |
| Investor | Possibly a Property Investor |
The 2026 property tax bill for 146 Union St was $5,421, up 31.6% 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 | $5,421.00 (+31.58%) | ||
| 2025 | $4,120.00 | $78,000 Land $14,200 Building $63,800 | $167,742 Land $30,538 Building $137,204 |
| 2023 | $78,000 (-) Land $14,200 Building $63,800 | $152,941 (+5.88%) Land $27,843 Building $125,098 | |
| 2022 | $78,000 Land $14,200 Building $63,800 | $144,444 Land $26,296 Building $118,148 | |
| 2021 | $386.00 (-82.15%) | ||
| 2020 | $2,163.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 146 Union St in Zone X, an area of minimal flood risk, though there have been 124 flood claims nearby since 1980.
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 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 146 Union 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 | 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.
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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