Schoharie County and Middleburgh Town property record for 486 Lower Rd, Middleburgh, NY 12122 · Last verified May 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1960 |
| Square Footage | 1,856 sqft Living Area |
| Lot Size | 100,188 sqft (2.3 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $139,900 (2017) |
| Tax Bill | $6,095.00 (2025) |
| Primary APN | 433889 96.-4-4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,856 sqft Living Area |
| 1st Floor | 1,856 sqft 1st Floor |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 100,188 sqft (2.3 acres) |
| Lot Width | 250 ft Width |
| Garage Type | Basement Garage |
| Shed | 1 Shed |
|---|---|
| Shed Area | 170 sqft Shed |
| Patio Area | 336 sqft Patio |
| Porch Area | 450 sqft Porch |
| Heating System | Forced Air with Air Conditioning Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Sewage | Septic Sewage |
| Water Source | Well Water Source |
| Account Number | 495J174026 |
|---|---|
| Street Address | 486 LOWER RD |
| City | MIDDLEBURGH |
| State | NY |
| Zip | 12122-5837 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | RESIDENCE |
| Legal Block | 4 |
| Legal Lot Number | 4.000 |
| Jurisdiction | SCHOHARIE NY |
| Minor Civil Division | MIDDLEBURGH |
| Census Blockgroup | 5 |
| Census Block | 5022 |
| Census Tract | 740700 |
Source: Schoharie County and Middleburgh Town records · APN 433889 96.-4-4
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 | Individual Name on File |
|---|---|
| Mailing Address | 486 LOWER RD, MIDDLEBURGH, NY 12122-5837 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 01, 2024 | Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU |
| Dec 27, 2022 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| May 21, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage QUICKEN LOANS INC |
| Apr 22, 2019 | Deed of Trust, Mortgage · Balloon Payment FIRST NEW YORK FCU |
| Jul 14, 2017 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage HOMESTEAD FUNDING CORP |
| Jul 14, 2017 | Deed, Transfer NOT AVAILABLE, AMY CALABRESE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 14, 2017 · Amount on Record |
| Deed Sale | Jul 14, 2017 · Amount on Record |
| Prior Sale | Oct 03, 2007 · Amount on Record |
| Deed Book / Page | 1048 / 246 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 486 LOWER RD, MIDDLEBURGH, NY 12122-5837 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2024 |
| Name | Verified Name |
|---|
| Document Number | 002071/289 |
|---|---|
| Date | Apr 01, 2024 |
| Book Page | 2071/289 |
| Instrument | 824755 |
| Name | FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | May 01, 2034 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 486 LOWER RD, MIDDLEBURGH, NY 12122-5837 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 002026/113 |
|---|---|
| Date | Dec 27, 2022 |
| Book Page | 2026/113 |
| Instrument | 819980 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 157 Months |
| Due | Jan 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 486 LOWER RD, MIDDLEBURGH, NY 12122-5837 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1935/165 |
|---|---|
| Date | May 21, 2021 |
| Book Page | 1935/165 |
| Instrument | 789337 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 486 LOWER RD, MIDDLEBURGH, NY 12122-5837 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2019 |
| Name | Verified Name |
|---|
| Document Number | 1835/288 |
|---|---|
| Date | Apr 22, 2019 |
| Book Page | 1835/288 |
| Instrument | 760954 |
| Name | FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Type | Balloon Payment |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | May 01, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 486 LOWER RD, MIDDLEBURGH, NY 12122-5837 |
| Transaction Type | Mortgage |
| Record Updated | Aug 03, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 000000722767 |
|---|---|
| Date | Jul 14, 2017 |
| Book Page | 0000001765/0000000200 |
| Instrument | 000000722767 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 354 Months |
| Due | Jan 01, 2047 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Jul 14, 2017 |
| Property Address | 486 LOWER RD, MIDDLEBURGH, NY 12122-5837 |
| Document Number | 0000001048/0000000246 |
| Book / Page | 0000001048 / 0000000246 |
| Instrument Date | Jul 10, 2017 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Title Company | NOT AVAILABLE, AMY CALABRESE |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 486 LOWER RD, MIDDLEBURGH, NY 12122-5837 |
Source: Schoharie County and Middleburgh Town records · Assessment roll updated May 14, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Middleburgh Town |
| Unified School District | Middleburgh Central School District (PK - 12) |
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 | $6,095.00 (+202.93%) | $117,500 (-) Land $15,800 Building $101,700 | $252,688 (+9.68%) Land $33,978 Building $218,710 |
| 2023 | $117,500 (-) Land $15,800 Building $101,700 | $230,392 (+5.88%) Land $30,980 Building $199,412 | |
| 2022 | $117,500 Land $15,800 Building $101,700 | $217,593 Land $29,259 Building $188,334 | |
| 2021 | $2,012.00 (-58.39%) | ||
| 2020 | $4,835.00 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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.
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