446 Lower Rd, Middleburgh, NY 12122 Property Records

Schoharie County and Middleburgh Town property record for 446 Lower Rd, Middleburgh, NY 12122 · Last verified May 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	2 Baths
Year Built	Built 1992
Square Footage	1,926 sqft Living Area
Lot Size	194,713 sqft (4.47 acres)
Occupancy	Owner Occupied
Last Sale	$1,800 (1997)
Tax Bill	$5,459.00 (2025)

Owner

Source: Schoharie County and Middleburgh Town records · APN 433889 96.-4-9

Assessment roll updated May 14, 2026 · Last verified May 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 File
Mailing Address	446 LOWER RD, MIDDLEBURGH, NY 12122-5837
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 28, 1997 · Amount on Record
Deed Sale	Jul 28, 1997 · Amount on Record
Deed Book / Page	618 / 337
Record Refreshed	Jun 08, 2026

Tax Assessment & Valuation

Source: Schoharie County and Middleburgh Town records · Assessment roll updated May 14, 2026 · Last verified May 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,459.00 (+523.17%)	$112,880 (-) Land $14,600 Building $98,280	$242,753 (+9.68%) Land $31,398 Building $211,355
2023		$112,880 (-) Land $14,600 Building $98,280	$221,333 (+5.88%) Land $28,627 Building $192,706
2022		$112,880 Land $14,600 Building $98,280	$209,037 Land $27,037 Building $182,000
2021	$876.00 (-61.32%)
2020	$2,265.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schoharie County (36095C), updated February 16, 2012 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`433889 96.-4-9`
Alternative APNs	`388909600000040090000000` `495J190023`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,926 sqft Living Area
1st Floor	1,535 sqft 1st Floor
Stories	1 Stories

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Contemporary Style
Exterior Material	Aluminum/Vinyl Exterior
Lot Area	194,713 sqft (4.47 acres)
Lot Width	278 ft Width
Garage Type	Basement Garage
Total Buildings	2 Total Buildings
Porch Area	1,068 sqft Porch

Utilities and HVAC

Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Oil Heating Fuel
Sewage	Septic Sewage
Water Source	Well Water Source

Location & Zoning

Account Number	495J190023
Street Address	446 LOWER RD
City	MIDDLEBURGH
State	NY
Zip	12122-5837
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	4
Legal Lot Number	9.000
Jurisdiction	SCHOHARIE NY
Minor Civil Division	MIDDLEBURGH
Census Blockgroup	5
Census Block	5022
Census Tract	740700