Schoharie County and Middleburgh Town property record for 491 Lower Rd, Middleburgh, NY 12122
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 1 ba · 1,638 sqft · built 1986 |
| Lot Size | 12.8 acres (557,568 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $7,018 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 433889 96.-4-1 |
| Primary APN | 433889 96.-4-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,638 sqft Living Area |
| 1st Floor Area | 1,092 sqft |
| Upper Floors Area | 546 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Rustic |
| Exterior Material | Wood |
| Lot Area | 557,568 sqft (12.8 acres) |
| Lot Width | 510 ft Width |
| Garage Type | Detached |
| Garage Area | 640 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Wood |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 495J100783 |
|---|---|
| Street Address | 491 LOWER RD |
| City | MIDDLEBURGH |
| State | NY |
| Zip | 12122-5838 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R3 |
| Legal Description | LIFE ESTATE |
| Legal Block | 4 |
| Legal Lot Number | 1.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | MIDDLEBURGH |
| Census Block Group | 5 |
| Census Block | 5000 |
| Census Tract | 740700 |
Source: Schoharie County and Middleburgh 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 | Individual Name on Record |
|---|---|
| Mailing Address | 978 E MEADOW AVE, NORTH BELLMORE, NY 11710-1638 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Feb 16, 2012 |
| Transfer Doc | 0000000930/000000029 |
| Record Updated | Oct 29, 2026 |
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 |
|---|---|---|---|
| 2026 | $7,018.00 (+2.33%) | ||
| 2025 | $6,858.00 (+218.83%) | $132,200 (-) Land $25,580 Building $106,620 | $284,301 (+9.68%) Land $55,011 Building $229,290 |
| 2023 | $132,200 (-) Land $25,580 Building $106,620 | $259,216 (+5.88%) Land $50,157 Building $209,059 | |
| 2022 | $132,200 Land $25,580 Building $106,620 | $244,815 Land $47,370 Building $197,445 | |
| 2021 | $2,151.00 (-58.38%) | ||
| 2020 | $5,168.00 |
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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| MIDTEL Fiber | 500 / 100 |
5G (outdoors only) and 4G LTE
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