480 Lower Rd, Middleburgh, NY 12122 Property Records

Schoharie County and Middleburgh Town property record for 480 Lower Rd, Middleburgh, NY 12122

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,119 sqft · built 2002
Lot Size	1.6 acres (69,696 sqft)
Owner	Individual Name on File
Last Sale	$254,800 (Nov 2023)
Tax Bill	$5,520 (2025)
Deeds & Mortgages	Nov 2023 Sale Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`433889 96.-4-5`

Property Details

APN / Parcel Number

Primary APN	`433889 96.-4-5`
Alternative APNs	`388909600000040050000000` `495J100797`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,119 sqft Living Area
1st Floor Area	949 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Rustic
Exterior Material	Wood
Foundation Type	No Foundation
Lot Area	69,696 sqft (1.6 acres)
Lot Width	260 ft Width
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	324 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	495J100797
Street Address	480 LOWER RD
City	MIDDLEBURGH
State	NY
Zip	12122-5837
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Block	4
Legal Lot Number	5.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	MIDDLEBURGH
Census Block Group	5
Census Block	5022
Census Tract	740700

Owner

Source: Schoharie County and Middleburgh Town assessment roll, APN 433889 96.-4-5, as of 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	Individual Name on File
Mailing Address	480 LOWER RD, MIDDLEBURGH, NY 12122-5837
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 02, 2023	Warranty Deed, Transfer
Oct 07, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage HOMESTEAD FUNDING CORP
Feb 05, 2018	Warranty Deed, Transfer USAA FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 02, 2023 · Amount on Record
Deed Sale	Nov 02, 2023 · Amount on Record
Prior Sale	Oct 07, 2020 · Amount on Record
Deed Document Number	2023823236
Deed Book / Page	1200 / 90
Record Updated	Jun 08, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Nov 02, 2023
Property Address	480 LOWER RD, MIDDLEBURGH, NY 12122-5837
Document Number	0001200/90
Book / Page	1200 / 90
Instrument Date	Oct 14, 2023
Instrument	823236
Transaction Type	Transfer
Record Updated	Mar 19, 2024

Transaction

Amount	Amount Recorded
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
Address	45 NEW RIDGE RD, GREENVILLE, NY 12083-2818

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Oct 07, 2020
Property Address	480 LOWER RD, MIDDLEBURGH, NY 12122-5837
Document Number	001121/198
Book / Page	1121 / 198
Instrument Date	Sep 30, 2020
Instrument	780854
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	3344 NASH RD, HAMBURG, NY 14075-2511

Mortgage

Document Number	001897/253
Date	Oct 07, 2020
Book Page	1897/253
Instrument	780855

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2050

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Feb 05, 2018
Property Address	480 LOWER RD, MIDDLEBURGH, NY 12122-5837
Document Number	001063/181
Book / Page	1063 / 181
Instrument Date	Jan 25, 2018
Instrument	000000732516
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	3908 58TH CIR, VERO BEACH, FL 32966-6522

Mortgage

Document Number	0000001792/0000000210
Date	Feb 05, 2018
Book Page	0000001792/0000000210
Instrument	000000732517

Lender

Name	USAA FEDERAL SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	359 Months
Due	Jan 01, 2048

Tax Assessment & Valuation

Source: Schoharie County and Middleburgh Town assessment roll as of 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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,520.00 (+302.33%)	$106,400 (-) Land $16,000 Building $90,400	$228,817 (+9.68%) Land $34,409 Building $194,408
2023		$106,400 (-) Land $16,000 Building $90,400	$208,627 (+5.88%) Land $31,372 Building $177,255
2022		$106,400 Land $16,000 Building $90,400	$197,037 Land $29,630 Building $167,407
2021	$1,372.00 (-58.41%)
2020	$3,299.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schoharie County (36095C), as of February 16, 2012 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360957407005, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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	Hurricane Irene, Aug 2011 · 73 claims Severe Storms And Flooding, Apr 2005 · 23 claims Flooding, Apr 1987 · 10 claims

Wildfire

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

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.

Internet Providers

Source: FCC Broadband Data Collection, 9 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
The Middleburgh Telephone Company Fiber	500 / 100

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Lower Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures