Schoharie County and Middleburgh Town property record for 198 Cliff St, Middleburgh, NY 12122
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 2,028 sqft · built 1980 |
| Lot Size | 2.5 acres (108,900 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,190 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 433801 106.16-5-13 |
| Primary APN | 433801 106.16-5-13 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,028 sqft Living Area |
| 1st Floor Area | 2,028 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 108,900 sqft (2.5 acres) |
| Lot Width | 50 ft Width |
| Garage Type | Basement |
| Porch | Slab |
| Pole Barn | 886 sqft |
| Water Source | Commercial |
|---|
| Account Number | 491A100117 |
|---|---|
| Street Address | 198 CLIFF ST |
| City | MIDDLEBURGH |
| State | NY |
| Zip | 12122-6423 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 5 |
| Legal Lot Number | 13.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | MIDDLEBURGH |
| Census Block Group | 5 |
| Census Block | 5006 |
| Census Tract | 740700 |
198 Cliff St is owned and occupied by two individuals who acquired it in February 2021.
Source: Schoharie County and Middleburgh Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 198 CLIFF ST, MIDDLEBURGH, NY 12122-6423 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Feb 22, 2021 |
| Transfer Doc | 0000784924 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 198 Cliff St was $5,190 with a homeowner's exemption, up 2.1% 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 | $5,190.00 (+2.11%) Homeowner's exemption | ||
| 2025 | $5,083.00 | $76,000 Land $16,000 Building $60,000 | $163,441 Land $34,409 Building $129,032 |
| 2023 | $76,000 (-) Land $16,000 Building $60,000 | $149,020 (+5.88%) Land $31,373 Building $117,647 | |
| 2022 | $76,000 Land $16,000 Building $60,000 | $140,741 Land $29,630 Building $111,111 | |
| 2021 | $1,408.00 (-63.55%) | ||
| 2020 | $3,863.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 198 Cliff St 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 |
|
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 198 Cliff 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 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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