Schoharie County and Middleburgh Town property record for 168 River St, Middleburgh, NY 12122
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,088 sqft · built 1900 |
| Lot Size | 0.77 acres (33,541 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,761 (2026) |
| Deeds & Mortgages | May 2007 Mortgage Sep 2025 Sale & Refinance |
| Flood Zone | Zone AE (high risk) |
| APN | 433801 106.11-2-10 |
| Primary APN | 433801 106.11-2-10 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,088 sqft Living Area |
| 1st Floor Area | 1,544 sqft |
| 2nd Floor Area | 1,544 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 33,541 sqft (0.77 acres) |
| Lot Dimensions | 294 ft deep x 207 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 350 sqft |
| Shed | 1 Shed |
| Shed Area | 378 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 491A186015 |
|---|---|
| Street Address | 168 RIVER ST |
| City | MIDDLEBURGH |
| State | NY |
| Zip | 12122-6515 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | H |
| Legal Block | 2 |
| Legal Lot Number | 10.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | MIDDLEBURGH |
| Census Block Group | 5 |
| Census Block | 5012 |
| Census Tract | 740700 |
168 River St is owned and occupied by two individuals.
Source: Schoharie County and Middleburgh Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 168 RIVER ST, MIDDLEBURGH, NY 12122-6515 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| May 4, 2007 | Deed of Trust, Mortgage WILBER NATIONAL BANK |
| Sep 30, 2025 | Warranty Deed, Transfer · Stand-Alone Refinance SIDNEY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 168 RIVER ST, MIDDLEBURGH, NY 12122-6515 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000001243/0000000001 |
|---|---|
| Date | May 4, 2007 |
| Book Page | 0000001243/0000000001 |
| Instrument | 0000469676 |
| Name | WILBER NATIONAL BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 236 Months |
| Due | Jan 1, 2027 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Sep 30, 2025 |
| Property Address | 168 RIVER ST, MIDDLEBURGH, NY 12122-6515 |
| Document Number | 00001243/1 |
| Book / Page | 1243 / 1 |
| Instrument Date | Sep 15, 2025 |
| Instrument | 829994 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 10193 WESTERN TPKE, DELANSON, NY 12053-1805 |
| Document Number | 002129/182 |
|---|---|
| Date | Sep 30, 2025 |
| Book Page | 2129/182 |
| Instrument | 829995 |
| Name | SIDNEY FCU |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
The 2026 property tax bill for 168 River St was $6,761 with exemptions applied, up 4.1% 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 | $6,761.00 (+4.14%) Homeowner's exemption Senior Citizen's exemption Veteran's exemption | ||
| 2025 | $6,492.00 | $99,000 Land $14,500 Building $84,500 | $212,903 Land $31,183 Building $181,720 |
| 2023 | $99,000 (-) Land $14,500 Building $84,500 | $194,118 (+5.88%) Land $28,431 Building $165,687 | |
| 2022 | $99,000 Land $14,500 Building $84,500 | $183,333 Land $26,852 Building $156,481 | |
| 2021 | $1,729.00 (-75.66%) | ||
| 2020 | $7,103.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 168 River St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective February 16, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 168 River 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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