Schoharie County and Middleburgh Town property record for 405 Lower Rd, Middleburgh, NY 12122
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 1 ba · 2,970 sqft · built 1850 |
| Lot Size | 27.4 acres (1,193,544 sqft) |
| Owner | Individual Name on File |
| Last Sale | $200,000 (Nov 2000) |
| Tax Bill | $8,081 (2025) |
| Deeds & Mortgages | Oct 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 433889 96.-4-33 |
| Primary APN | 433889 96.-4-33 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 2,970 sqft Living Area |
| 1st Floor Area | 1,809 sqft |
| 2nd Floor Area | 891 sqft |
| Upper Floors Area | 270 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1850 |
|---|---|
| Effective Year Built | Effective 1850 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 1,193,544 sqft (27.4 acres) |
| Lot Width | 1,100 ft Width |
| Garage Type | Attached |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Wood |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 495J186019 |
|---|---|
| Street Address | 405 LOWER RD |
| City | MIDDLEBURGH |
| State | NY |
| Zip | 12122-5838 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R3 |
| Legal Block | 4 |
| Legal Lot Number | 33.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | MIDDLEBURGH |
| Census Block Group | 5 |
| Census Block | 5022 |
| Census Tract | 740700 |
Source: Schoharie County and Middleburgh Town assessment roll, as of May 14, 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 File |
|---|---|
| Mailing Address | 405 LOWER RD, MIDDLEBURGH, NY 12122-5838 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 16, 2000 · Amount on Record |
| Deed Sale | Nov 16, 2000 · Amount on Record |
| Prior Sale | Oct 16, 2000 · Amount on Record |
| Deed Book / Page | 682 / 263 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 405 LOWER RD, MIDDLEBURGH, NY 12122-5838 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1957/92 |
|---|---|
| Date | Oct 6, 2021 |
| Book Page | 1957/92 |
| Instrument | 796822 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Nov 1, 2031 |
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 |
| Unified School District | Middleburgh Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,081.00 (+172.82%) | $155,770 (-) Land $36,760 Building $119,010 | $334,989 (+9.68%) Land $79,054 Building $255,935 |
| 2023 | $155,770 (-) Land $36,760 Building $119,010 | $305,431 (+5.88%) Land $72,078 Building $233,353 | |
| 2022 | $155,770 Land $36,760 Building $119,010 | $288,463 Land $68,074 Building $220,389 | |
| 2021 | $2,962.00 (-54.33%) | ||
| 2020 | $6,486.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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.
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 at the parcel |
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| The Middleburgh Telephone Company Fiber | 500 / 100 |
5G and 4G LTE (outdoors only)
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