Schoharie County and Middleburgh Town property record for 186 Decker Rd, Middleburgh, NY 12122
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,606 sqft · built 1990 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,791 (2026) |
| Deeds & Mortgages | May 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 433889 107.-4-10.2 |
| Primary APN | 433889 107.-4-10.2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,606 sqft Living Area |
| 1st Floor Area | 2,606 sqft |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 217,800 sqft (5 acres) |
| Lot Width | 447 ft Width |
| Garage Type | Attached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 998 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 495J191003 |
|---|---|
| Street Address | 186 DECKER RD |
| City | MIDDLEBURGH |
| State | NY |
| Zip | 12122-5848 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | NEW HOME W/GARAGE |
| Legal Block | 4 |
| Legal Lot Number | 10.002 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | MIDDLEBURGH |
| Census Block Group | 2 |
| Census Block | 2047 |
| Census Tract | 740700 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 186 DECKER RD, MIDDLEBURGH, NY 12122-5848 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 186 DECKER RD, MIDDLEBURGH, NY 12122-5848 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2020 |
| Name | Verified Name |
|---|
| Document Number | 1878/19 |
|---|---|
| Date | May 19, 2020 |
| Book Page | 1878/19 |
| Instrument | 775436 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
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 |
| Unified School District | Middleburgh Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,791.00 (+2.31%) | ||
| 2025 | $5,660.00 (+132.06%) | $109,100 (-) Land $14,900 Building $94,200 | $234,624 (+9.68%) Land $32,043 Building $202,581 |
| 2023 | $109,100 (-) Land $14,900 Building $94,200 | $213,922 (+5.88%) Land $29,216 Building $184,706 | |
| 2022 | $109,100 Land $14,900 Building $94,200 | $202,037 Land $27,593 Building $174,444 | |
| 2021 | $2,439.00 (-45.58%) | ||
| 2020 | $4,482.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 7 in force |
| Nearby Flood Claims | 2 (2007–2011) |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 10 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 |
5G and 4G LTE (outdoors only)
Search by:
By searching, you agree to: Terms • Privacy • Disclosures