221 Main St, Middleburgh, NY 12122 Property Records

Schoharie County and Middleburgh Town property record for 221 Main St, Middleburgh, NY 12122

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,296 sqft · built 1900
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Last Sale	$115,360 (Sep 2021)
Tax Bill	$4,439 (2026)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`433801 106.19-3-6`

Property Details

APN / Parcel Number

Primary APN	`433801 106.19-3-6`
Alternative APNs	`380110601900030060000000` `491A100255`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,296 sqft Living Area
1st Floor Area	684 sqft
2nd Floor Area	396 sqft
Upper Floors Area	216 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	256 ft deep x 65 ft wide
Porch	Slab

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	491A100255
Street Address	221 MAIN ST
City	MIDDLEBURGH
State	NY
Zip	12122-6308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	H
Legal Block	3
Legal Lot Number	6.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	MIDDLEBURGH
Census Block Group	4
Census Block	4010
Census Tract	740700

Owner

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	Individual Name on Record
Mailing Address	221 MAIN ST, MIDDLEBURGH, NY 12122-6308
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2021 · Amount on Record
Deed Sale	Sep 22, 2021 · Amount on Record
Deed Document Number	2021796146
Deed Book / Page	1147 / 82
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Sep 22, 2021
Property Address	221 MAIN ST, MIDDLEBURGH, NY 12122-6308
Document Number	1147/82
Book / Page	1147 / 82
Instrument Date	Aug 30, 2021
Instrument	796146
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1440 STATE ROUTE 7 # 4, 4, RICHMONDVILLE, NY 12149-2308

Mortgage

Document Number	796147
Date	Sep 22, 2021
Instrument	796147

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Schoharie County and Middleburgh Town assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Schoharie County
County Subdivision	Middleburgh Town
Municipality	Middleburgh Village
Unified School District	Middleburgh Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,439.00 (+2.12%)
2025	$4,347.00 (+15.58%)	$65,000 (+1.56%) Land $14,000 Building $51,000	$139,785 (+11.39%) Land $30,108 Building $109,677
2023		$64,000 (-) Land $14,000 Building $50,000	$125,490 (+5.88%) Land $27,451 Building $98,039
2022		$64,000 Land $14,000 Building $50,000	$118,519 Land $25,926 Building $92,593
2021	$3,761.00 (-37.43%)
2020	$6,011.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	98 (1978–2021)
Claims Outside the SFHA	8 of 98
Most Recent Claim	Jul 2021 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 26 claims Severe Storms And Flooding, Apr 2005 · 22 claims Flooding, Apr 1987 · 12 claims

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 172 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
MIDTEL Fiber	500 / 100
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20