Middleburgh, NY 12122 · Schoharie County

This 1870 duplex in central Middleburgh offers two separate units: a three-bedroom and a one-bedroom, each with independent utilities. The property spans 1,708 square feet on 0.30 acres and includes a partial basement, fireplace, and pellet stove heating. Located on Railroad Avenue steps from Main Street shops and dining, the home sits fifteen minutes from Cobleskill with convenient access to Oneonta, Cooperstown, and the Capital District. Assigned to Middleburgh Central school district, the property features off-street parking and a covered porch, with no homeowners association.
Exceptional Owner-Occupied Investment Opportunity in the Village of Middleburgh! Conveniently located right in the heart of the village, this 2-unit property at 118 Railroad Ave presents an ideal setup for rental income or an owner-occupied home. The property features a 3-bedroom unit and a 1-bedroom unit. This double lot includes an additional buildable site ideal for future expansion. Featuring separate utilities and a strong rental history. Inside, the main-level space centers around a classic brick hearth and wood flooring, with functional floor plans throughout. Outdoors, the property boasts a level lawn, off-street parking, a welcoming covered front porch, and a private back deck off the rear entrance. Maximize this property's full potential in a prime village location, where you can easily walk right to Main Street's shops, dining, and local amenities. Beyond its neighborhood convenience, the site is highly accessible for commuters, sitting an easy 15-minute drive from Cobleskill with straightforward travel to Oneonta, Cooperstown, and the greater Capital District.
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The district this address is assigned to. Ratings and reviews are hosted on GreatSchools.
Assigned districts can change and are not guaranteed. Confirm enrollment boundaries with the district directly before relying on them.
Middleburgh is in Schoharie County, NY. There are currently 33 active listings here, ranging from $44,900 to $2,950,000. Listings in this address fall under the Middleburgh school district. Priced 37% below the Middleburgh median of $279,900.
See Sharon's Middleburgh community guideSharon represents buyers for this property. Your tour, offer, and inquiries go through her, not the listing brokerage.
Country Boy Realty · Listed by Matthew Loder (6543)
Contact: 518-378-1235
MLS #202622575 · Source: Global MLS, Inc.
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Every change captured by Global MLS since this listing went live.
Public assessment record for the Middleburgh roll · Middleburgh school district · Two Family Year-Round Residence
| Year | Assessed value | Full market value | Change |
|---|---|---|---|
| 2025 | $60,000 | $129,032 | +5.4% |
| 2024 | $60,000 | $122,449 | +4.1% |
| 2023 | $60,000 | $117,647 | +5.9% |
| 2022 | $60,000 | $111,111 | +27.6% |
| 2021 | $55,000 | $87,094 |
Assessed and full market values come from the local assessor and lag the market; the tax bill is the assessed value times the town, county and school rates, which the seller’s disclosure will show. STAR and other exemptions are not reflected here.
Real numbers from current MLS data. Not a third-party estimate.
Outside FEMA-mapped flood hazard areas
This point is not inside any Special Flood Hazard Area or moderate-risk zone on the current FEMA flood map. Flood insurance is optional here and usually inexpensive.
See the official FEMA flood map for this pointSource: FEMA National Flood Hazard Layer, checked 2026-09-08. Zones are drawn by FEMA and can change; an elevation certificate governs insurance.