Schoharie County and Broome Town property record for 197 Earls Rd, Middleburgh, NY 12122
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,552 sqft · built 2018 |
| Lot Size | 43.2 acres (1,881,792 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $590,000 (May 2026) |
| Tax Bill | $10,098 (2026) |
| Deeds & Mortgages | May 2026 Sale Feb 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 432200 152.-3-13 |
| Primary APN | 432200 152.-3-13 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,552 sqft Living Area |
| 1st Floor Area | 1,152 sqft |
| Basement Area | 1,000 sqft |
| Finished Basement | 1,000 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Contemporary |
| Exterior Material | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 1,881,792 sqft (43.2 acres) |
| Lot Width | 770 ft Width |
| Porch | Open Porch |
| Porch Area | 288 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Account Number | 415J100663 |
|---|---|
| Street Address | 197 EARLS RD |
| City | MIDDLEBURGH |
| State | NY |
| Zip | 12122-4632 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | 01 - NOT Z |
| Legal Description | HOUSE BARN 152-3-14.3 D&C W/THS 2/98 |
| Legal Block | 3 |
| Legal Lot Number | 13.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | BROOME |
| Census Block Group | 3 |
| Census Block | 3035 |
| Census Tract | 740800 |
Source: Schoharie County and Broome 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 Record |
|---|---|
| Mailing Address | 106 SHEARWATER CT E, JERSEY CITY, NJ 07305-5401 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| May 26, 2026 | Warranty Deed, Transfer EIT TITLE, ELITE TITLE |
| Feb 11, 2022 | Deed of Trust, Mortgage · Line of Credit THE NATIONAL BANK OF COXSACKIE |
| Sep 14, 2018 | Deed of Trust, Mortgage NATIONAL BANK OF COXSACKIE |
| Sep 14, 2018 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 26, 2026 · Amount on Record |
| Deed Sale | May 26, 2026 · Amount on Record |
| Prior Sale | Sep 14, 2018 · Amount on Record |
| Deed Document Number | 2026832300 |
| Deed Book / Page | 1256 / 138 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | May 26, 2026 |
| Property Address | 197 EARLS RD, MIDDLEBURGH, NY 12122-4632 |
| Document Number | 0000832300 |
| Book / Page | 1256 / 138 |
| Instrument Date | Feb 24, 2026 |
| Instrument | 2026832300 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2026 |
| Title Company | EIT TITLE, ELITE TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $238,360.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 106 SHEARWATER CT E, JERSEY CITY, NJ 07305-5401 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 197 EARLS RD, MIDDLEBURGH, NY 12122-4632 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001980/184 |
|---|---|
| Date | Feb 11, 2022 |
| Book Page | 1980/184 |
| Instrument | 805297 |
| Name | THE NATIONAL BANK OF COXSACKIE |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Mar 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 197 EARLS RD, MIDDLEBURGH, NY 12122-4632 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001814/0000000288 |
|---|---|
| Date | Sep 14, 2018 |
| Book Page | 0000001814/0000000288 |
| Instrument | 000000749368 |
| Name | NATIONAL BANK OF COXSACKIE |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 364 Months |
| Due | Jan 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Sep 14, 2018 |
| Property Address | 197 EARLS RD, MIDDLEBURGH, NY 12122-4632 |
| Document Number | 001076/208 |
| Book / Page | 1076 / 208 |
| Instrument Date | Sep 6, 2018 |
| Instrument | 000000749367 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 126 INDIAN SPRINGS LN, MIDDLEBURGH, NY 12122-4713 |
Source: Schoharie County and Broome Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Broome Town |
| Unified School District | Middleburgh Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,098.00 (+31.02%) | ||
| 2025 | $7,707.00 (+115.82%) | $391,900 (+53.03%) Land $98,100 Building $293,800 | $391,900 (+53.03%) Land $98,100 Building $293,800 |
| 2023 | $256,100 (+20.07%) Land $94,300 Building $161,800 | $256,100 (+4.46%) Land $94,300 Building $161,800 | |
| 2022 | $213,300 Land $74,200 Building $139,100 | $245,172 Land $85,287 Building $159,885 | |
| 2021 | $3,571.00 (-51.98%) | ||
| 2020 | $7,436.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 |
| Nearby Flood Policies | 2 in force |
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 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| MIDTEL Fiber | 500 / 100 |
| Starlink Satellite | 280 / 30 |
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