382 Stone Store Rd, Middleburgh, NY 12122 Property Records

Schoharie County and Broome Town property record for 382 Stone Store Rd, Middleburgh, NY 12122

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,584 sqft · built 1954
Lot Size	0.9 acres (39,204 sqft)
Owner	2 Individual Names on Record
Last Sale	$45,000 (Jun 2003)
Tax Bill	$3,154 (2026)
Deeds & Mortgages	Nov 2022 Refinance Sep 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`432200 163.-5-9`

Property Details

APN / Parcel Number

Primary APN	`432200 163.-5-9`
Alternative APNs	`220016300000050090000000` `415J100578`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,584 sqft Living Area
1st Floor Area	1,584 sqft
Upper Floors Area	576 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1990
Architectural Style	Bungalow
Exterior Material	Composition/Composite
Foundation Type	Raised
Lot Area	39,204 sqft (0.9 acres)
Lot Dimensions	200 ft deep x 189 ft wide
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	288 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	415J100578
Street Address	382 STONE STORE RD
City	MIDDLEBURGH
State	NY
Zip	12122-4202
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Description	HSE/BAR/MBL
Legal Block	5
Legal Lot Number	9.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	BROOME
Census Block Group	3
Census Block	3069
Census Tract	740800

Owner

Source: Schoharie County and Broome 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	2 Individual Names on Record
Mailing Address	382 STONE STORE RD, MIDDLEBURGH, NY 12122-4202
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance NEW YORK AFFORDABLE HOUSING CORP
Sep 22, 2020	Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2003 · Amount on Record
Deed Sale	Jun 11, 2003 · Amount on Record
Deed Book / Page	738 / 138
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	382 STONE STORE RD, MIDDLEBURGH, NY 12122-4202
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002019/247
Date	Nov 7, 2022
Book Page	2019/247
Instrument	819380

Lender

Name	NEW YORK AFFORDABLE HOUSING CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2032

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	382 STONE STORE RD, MIDDLEBURGH, NY 12122-4202
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1895/186
Date	Sep 22, 2020
Book Page	1895/186
Instrument	779467

Lender

Name	FIRST NEW YORK FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2030

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Schoharie County
County Subdivision	Broome Town
Unified School District	Gilboa-Conesville Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,154.00 (+11.02%) Homeowner's exemption Senior Citizen's exemption
2025	$2,841.00 (+56.01%)	$164,400 (+26.95%) Land $22,300 Building $142,100	$164,400 (+26.95%) Land $22,300 Building $142,100
2023		$129,500 (+19.03%) Land $21,500 Building $108,000	$129,500 (+3.55%) Land $21,500 Building $108,000
2022		$108,800 Land $17,400 Building $91,400	$125,057 Land $20,000 Building $105,057
2021	$1,821.00 (-22.77%)
2020	$2,358.00

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
Nearby Flood Policies	2 in force

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
MIDTEL Fiber	500 / 100

Cell Coverage

4G LTE (outdoors only), no 5G reported

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