Schoharie County and Middleburgh Town property record for 318 Main St, Middleburgh, NY 12122
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 3,799 sqft · built 1900 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $7,708 (2026) |
| Flood Zone | Zone AE (high risk) |
| APN | 433801 106.15-4-12 |
| Primary APN | 433801 106.15-4-12 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,799 sqft Gross Area |
| Basement Area | 575 sqft |
| Unfinished Basement | 575 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 13,068 sqft (0.3 acres) |
| Lot Dimensions | 150 ft deep x 45 ft wide |
| Porch | Slab |
| Porch Area | 299 sqft |
| Cooling System | Partial |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 491A100224 |
|---|---|
| Street Address | 318 MAIN ST |
| City | MIDDLEBURGH |
| State | NY |
| Zip | 12122-6523 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Local Zoning Code | C |
| Legal Block | 4 |
| Legal Lot Number | 12.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | MIDDLEBURGH |
| Census Block Group | 5 |
| Census Block | 5028 |
| Census Tract | 740700 |
318 Main St, a commercial property, is owned by an individual.
Source: Schoharie County and Middleburgh Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 381, MIDDLEBURGH, NY 12122-0381 |
| 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 | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 318 Main St was $7,708, up 28.2% 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 | $7,708.00 (+28.19%) | ||
| 2025 | $6,013.00 | $89,900 Land $13,000 Building $76,900 | $193,333 Land $27,957 Building $165,376 |
| 2023 | $89,900 (-) Land $13,000 Building $76,900 | $176,275 (+5.88%) Land $25,490 Building $150,785 | |
| 2022 | $89,900 Land $13,000 Building $76,900 | $166,481 Land $24,074 Building $142,407 | |
| 2021 | $7,415.00 (-40.28%) | ||
| 2020 | $12,416.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 318 Main St in Zone AE, a high-risk flood area; 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 | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 318 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 | Indirect within ember reach |
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 225 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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