385 Campbell Rd, Middleburgh, NY 12122 Property Records

Schoharie County and Gilboa Town property record for 385 Campbell Rd, Middleburgh, NY 12122

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,611 sqft · built 1961
Lot Size	3.5 acres (152,460 sqft)
Owner	2 Individual Names on File
Last Sale	$255,000 (Sep 2020)
Tax Bill	$1,806 (2026)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`433400 174.-3-2`

Property Details

APN / Parcel Number

Primary APN	`433400 174.-3-2`
Alternative APNs	`340017400000030020000000` `475J100407`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,611 sqft Living Area
1st Floor Area	1,341 sqft
Upper Floors Area	270 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Cape Cod
Exterior Material	Wood
Foundation Type	Raised
Lot Area	152,460 sqft (3.5 acres)
Lot Width	370 ft Width
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	475J100407
Street Address	385 CAMPBELL RD
City	MIDDLEBURGH
State	NY
Zip	12122-3619
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Block	3
Legal Lot Number	2.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	GILBOA
Census Block Group	1
Census Block	1000
Census Tract	740800

Owner

385 Campbell Rd is owned and occupied by two individuals who bought it in September 2020.

Source: Schoharie County and Gilboa Town records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	385 CAMPBELL RD, MIDDLEBURGH, NY 12122-3619
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2020 · Amount on File
Deed Sale	Sep 25, 2020 · Amount on File
Deed Document Number	2020779572
Deed Book / Page	1120 / 182
Prior Transfer Date	Feb 20, 2006
Prior Transfer Doc	0000000806/000000017
Record Updated	Oct 29, 2026

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Sep 25, 2020
Property Address	385 CAMPBELL RD, MIDDLEBURGH, NY 12122-3619
Document Number	001120/182
Book / Page	1120 / 182
Instrument Date	Sep 18, 2020
Instrument	779572
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Amount	Amount on Record
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
Relationship	Tenants by the Entirety
Address	243 POTTER MTN RD, GILBOA, NY 12076-3026

Mortgage

Document Number	0001896/20
Date	Sep 25, 2020
Book Page	1896/20
Instrument	779573

Lender

Name	SUNMARK FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 385 Campbell Rd was $1,806 with exemptions applied, down 0.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,806.00 (-0.11%) Disabled Person's exemption Veteran's exemption
2025	$1,808.00	$2,000 Land $200 Building $1,800	$129,870 Land $12,987 Building $116,883
2023		$2,000 (-) Land $200 Building $1,800	$121,951 (+6.1%) Land $12,195 Building $109,756
2022		$2,000 Land $200 Building $1,800	$114,943 Land $11,494 Building $103,449
2021	$1,226.00 (-19.08%)
2020	$1,515.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 385 Campbell Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1980.

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	3 in force
Nearby Flood Claims	5 (1980–2011)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Severe Storms And Flooding, Jan 1996 · 2 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

Wildfire risk around 385 Campbell Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 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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