Schoharie County and Middleburgh Town property record for 203 River St, Middleburgh, NY 12122
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,484 sqft · built 1940 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,857 (2026) |
| Deeds & Mortgages | Nov 2023 Line of Credit Jul 2017 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 433801 106.11-1-7 |
| Primary APN | 433801 106.11-1-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,484 sqft Living Area |
| Gross Area | 902 sqft |
| 1st Floor Area | 860 sqft |
| Upper Floors Area | 624 sqft |
| Basement Area | 451 sqft |
| Unfinished Basement | 451 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 13,068 sqft (0.3 acres) |
| Lot Dimensions | 110 ft deep x 150 ft wide |
| Garage Type | Detached |
| Garage Area | 216 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 766 sqft |
| Shed | 1 Shed |
| Shed Area | 170 sqft |
| Canopy | 198 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 491A100478 |
|---|---|
| Street Address | 203 RIVER ST |
| City | MIDDLEBURGH |
| State | NY |
| Zip | 12122-2816 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | HB |
| Legal Block | 1 |
| Legal Lot Number | 7.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | MIDDLEBURGH |
| Census Block Group | 3 |
| Census Block | 3042 |
| Census Tract | 740700 |
203 River St is owned and occupied by an individual who acquired it in March 2016.
Source: Schoharie County and Middleburgh Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 203 RIVER ST, MIDDLEBURGH, NY 12122-2816 |
| 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.
| Date | Document |
|---|---|
| Nov 15, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU |
| Jul 12, 2017 | Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FEDERAL CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Mar 24, 2016 |
| Transfer Doc | 0000001019/000000011 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 203 RIVER ST, MIDDLEBURGH, NY 12122-2816 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2023 |
| Name | Verified Name |
|---|
| Document Number | 002059/281 |
|---|---|
| Date | Nov 15, 2023 |
| Book Page | 2059/281 |
| Instrument | 823370 |
| Name | FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Dec 1, 2038 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 203 RIVER ST, MIDDLEBURGH, NY 12122-2816 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001765/0000000068 |
|---|---|
| Date | Jul 12, 2017 |
| Book Page | 0000001765/0000000068 |
| Instrument | 000000722669 |
| Name | FIRST NEW YORK FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 203 River St was $3,857 with exemptions applied, down 0.2% 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 | $3,857.00 (-0.18%) Homeowner's exemption Senior Citizen's exemption Veteran's exemption | ||
| 2025 | $3,864.00 | $61,000 Land $12,000 Building $49,000 | $131,183 Land $25,806 Building $105,377 |
| 2023 | $61,000 (-) Land $12,000 Building $49,000 | $119,608 (+5.88%) Land $23,529 Building $96,079 | |
| 2022 | $61,000 Land $12,000 Building $49,000 | $112,963 Land $22,222 Building $90,741 | |
| 2021 | $955.00 (-53.19%) | ||
| 2020 | $2,040.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 203 River St in Zone AE, a high-risk flood area within the regulatory floodway; 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 | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 41 (1980–2011) |
| Claims Outside the SFHA | 5 of 41 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| 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 203 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 | 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: FCC Broadband Data Collection, based on 38 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 |
May also be available: Verizon.
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