Schoharie County and Middleburgh Town property record for 183 Cliff St, Middleburgh, NY 12122
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,000 sqft · built 2022 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $25,000 (Feb 2008) |
| Tax Bill | $9,219 (2026) |
| Deeds & Mortgages | Aug 2022 Refinance Nov 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 433801 106.16-5-14 |
| Primary APN | 433801 106.16-5-14 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,000 sqft Living Area |
| 1st Floor Area | 1,000 sqft |
| 2nd Floor Area | 1,000 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Contemporary |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 17,860 sqft (0.41 acres) |
| Lot Dimensions | 208 ft deep x 92.9 ft wide |
| Garage Type | Attached |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Heating Fuel | Electric |
|---|---|
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 491A100449 |
|---|---|
| Street Address | 183 CLIFF ST |
| City | MIDDLEBURGH |
| State | NY |
| Zip | 12122-6431 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 5 |
| Legal Lot Number | 14.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | MIDDLEBURGH |
| Census Block Group | 5 |
| Census Block | 5006 |
| Census Tract | 740700 |
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 | PO BOX 891, MIDDLEBURGH, NY 12122-0891 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 19, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance THE NATIONAL BANK OF COXSACKIE |
| Nov 8, 2021 | Deed, Transfer · Stand-Alone First Mortgage THE NATIONAL BANK OF COXSACKIE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 7, 2008 · Amount on Record |
| Deed Sale | Feb 7, 2008 · Amount on Record |
| Prior Sale | May 7, 2007 · Amount on Record |
| Deed Book / Page | 854 / 152 |
| Prior Transfer Date | Apr 17, 2003 |
| Prior Transfer Doc | 0736000014 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 183 CLIFF ST, MIDDLEBURGH, NY 12122-6431 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0002010/94 |
|---|---|
| Date | Aug 19, 2022 |
| Book Page | 2010/94 |
| Instrument | 815755 |
| Name | THE NATIONAL BANK OF COXSACKIE |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Nov 8, 2021 |
| Property Address | 183 CLIFF ST, MIDDLEBURGH, NY 12122-6431 |
| Document Number | 001150/220 |
| Book / Page | 1150 / 220 |
| Instrument Date | Oct 29, 2021 |
| Instrument | 798158 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2024 |
| Amount | Amount Recorded |
|---|---|
| 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 | Joint Tenants with Right of Survivorship |
| Address | CLIFF ST, MIDDLEBURGH, NY 12122 |
| Document Number | 001962/251 |
|---|---|
| Date | Nov 8, 2021 |
| Book Page | 1962/251 |
| Instrument | 798159 |
| Name | THE NATIONAL BANK OF COXSACKIE |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Dec 1, 2031 |
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 | $9,219.00 (+2.1%) | ||
| 2025 | $9,029.00 (+3,386.1%) | $135,000 (+121.31%) Land $11,000 Building $124,000 | $290,323 (+142.73%) Land $23,656 Building $266,667 |
| 2023 | $61,000 (+454.55%) Land $11,000 Building $50,000 | $119,608 (+487.18%) Land $21,569 Building $98,039 | |
| 2022 | $11,000 Land $11,000 | $20,370 Land $20,370 | |
| 2021 | $259.00 (-68.72%) | ||
| 2020 | $828.00 |
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.
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 |
|
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.
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 65 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| MIDTEL Fiber | 500 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
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