Schoharie County and Middleburgh Town property record for 232 Main St, Middleburgh, NY 12122
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 2,108 sqft · built 1880 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $162,500 (Mar 2021) |
| Tax Bill | $5,866 (2026) |
| Deeds & Mortgages | Dec 2024 Sale & Refinance Mar 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 433801 106.20-1-27 |
| Primary APN | 433801 106.20-1-27 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,108 sqft Living Area |
| 1st Floor Area | 1,054 sqft |
| 2nd Floor Area | 1,054 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 150 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 336 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 491A100129 |
|---|---|
| Street Address | 232 MAIN ST |
| City | MIDDLEBURGH |
| State | NY |
| Zip | 12122-6306 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | H |
| Legal Block | 1 |
| Legal Lot Number | 27.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | MIDDLEBURGH |
| Census Block Group | 5 |
| Census Block | 5005 |
| Census Tract | 740700 |
232 Main St is owned by an individual who bought it in March 2021.
Source: Schoharie County and Middleburgh Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1476 MADISON ST, ELMONT, NY 11003-1319 |
| 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 |
|---|---|
| Dec 16, 2024 | Warranty Deed, Transfer · Stand-Alone Refinance JPMORGAN CHASE BANK NA |
| Mar 1, 2021 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 1, 2021 · Amount on File |
| Deed Sale | Mar 1, 2021 · Amount on File |
| Deed Document Number | 2021785205 |
| Deed Book / Page | 1132 / 127 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Dec 16, 2024 |
| Property Address | 232 MAIN ST, MIDDLEBURGH, NY 12122-6306 |
| Document Number | 001225/223 |
| Book / Page | 1225 / 223 |
| Instrument Date | Nov 25, 2024 |
| Instrument | 827259 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1476 MADISON ST, ELMONT, NY 11003-1319 |
| Document Number | 0002101/33 |
|---|---|
| Date | Dec 16, 2024 |
| Book Page | 2101/33 |
| Instrument | 827260 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Mar 1, 2021 |
| Property Address | 232 MAIN ST, MIDDLEBURGH, NY 12122-6306 |
| Document Number | 001132/127 |
| Book / Page | 1132 / 127 |
| Instrument Date | Feb 26, 2021 |
| Instrument | 785205 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 194 GROVE ST, MIDDLEBURGH, NY 12122-6405 |
The 2026 property tax bill for 232 Main St was $5,866, 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 | $5,866.00 (+2.11%) | ||
| 2025 | $5,745.00 | $85,900 Land $11,500 Building $74,400 | $184,731 Land $24,731 Building $160,000 |
| 2023 | $85,900 (-) Land $11,500 Building $74,400 | $168,431 (+5.88%) Land $22,549 Building $145,882 | |
| 2022 | $85,900 Land $11,500 Building $74,400 | $159,074 Land $21,296 Building $137,778 | |
| 2021 | $1,591.00 (-64.23%) | ||
| 2020 | $4,448.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 232 Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 232 Main 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 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 |
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