163 Cliffside Dr, Middleburgh, NY 12122 Property Records

Schoharie County and Middleburgh Town property record for 163 Cliffside Dr, Middleburgh, NY 12122

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,476 sqft · built 1971
Lot Size	2.2 acres (95,832 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Nov 2022)
Tax Bill	$6,922 (2026)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Jul 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`433889 107.-1-13`

Property Details

APN / Parcel Number

Primary APN	`433889 107.-1-13`
Alternative APNs	`388910700000010130000000` `495J101261`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,476 sqft Living Area
1st Floor Area	1,420 sqft
2nd Floor Area	1,056 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	95,832 sqft (2.2 acres)
Porch	Slab
Porch Area	594 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	495J101261
Street Address	163 CLIFFSIDE DR
City	MIDDLEBURGH
State	NY
Zip	12122
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	10700000010130000000
Legal Block	1
Legal Lot Number	13.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	MIDDLEBURGH
Census Block Group	5
Census Block	5000
Census Tract	740700

Owner

163 Cliffside Dr is owned by two individuals who bought it in November 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 905, MIDDLEBURGH, NY 12122-0905
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

Date	Document
Nov 10, 2022	Warranty Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Jul 29, 2022	Deed of Trust, Mortgage · Line of Credit NBT BANK NATIONAL ASSOCIATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2022 · Amount on File
Deed Sale	Nov 10, 2022 · Amount on File
Deed Document Number	2022819465
Deed Book / Page	1177 / 250
Prior Transfer Date	May 18, 2022
Prior Transfer Doc	0000811099
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Nov 10, 2022
Property Address	163 CLIFFSIDE DR, MIDDLEBURGH, NY 12122
Document Number	001177/250
Book / Page	1177 / 250
Instrument Date	Nov 8, 2022
Instrument	819465
Transaction Type	Transfer
Record Updated	Nov 29, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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
Address	163 CLIFFSIDE DR, MIDDLEBURGH, NY 12122

Mortgage

Document Number	0000819466
Date	Nov 10, 2022
Instrument	819466

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	163 CLIFFSIDE DR, MIDDLEBURGH, NY 12122
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	MISC COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002006/165
Date	Jul 29, 2022
Book Page	2006/165
Instrument	814159

Lender

Name	NBT BANK NATIONAL ASSOCIATION
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 163 Cliffside Dr was $6,922, up 2.3% 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
Unified School District	Middleburgh Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,922.00 (+2.32%)
2025	$6,765.00	$130,400 Land $14,200 Building $116,200	$280,430 Land $30,538 Building $249,892
2023		$130,400 (-) Land $14,200 Building $116,200	$255,686 (+5.88%) Land $27,843 Building $227,843
2022		$130,400 Land $14,200 Building $116,200	$241,481 Land $26,296 Building $215,185
2021	$2,800.00 (-50.12%)
2020	$5,613.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 163 Cliffside Dr 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	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 163 Cliffside Dr 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.

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

5G and 4G LTE (outdoors only)

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