2596 State Route 145, Middleburgh, NY, 12122
About This Home
Prime Investment Opportunity! Two-unit mixed-use property consisting of one office/retail space and one residential unit with a strong and consistent rental history. High-traffic location provides excellent exposure for commercial tenants, supporting long-term demand. Recent capital improvements include a new roof, driveway, and siding, reducing near-term maintenance expenses. Flexible layout allows for multiple business uses, including professional office, salon, or retail. Ideal asset for investors seeking stable income with owner-occupant or value-add potential.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1978
Materials
- Roof: Metal
- Construction materials: Vinyl Siding
Type & Style
- Home type: MultiFamily
- Property subType: Duplex,Multi Family
Interior
Basement
- Has basement: Yes
- Basement: Exterior Entry,Full
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Features
- Ceiling Fan(s)
- Flooring: Carpet,Hardwood,Laminate
- Finished area below ground: 0
- Finished area above ground: 1,808
Heating & Cooling
- Heating features: Baseboard,Electric
- Cooling features: Window Unit(s),None
Interior Area
- Total structure area: 1,808
- Total interior livable area: 1,808 sqft
Property
Details
- Parcel number: 433889 95.61
- Attached to another structure: Yes
- Zoning description: Mixed
- Special condition: Standard
Features
- Patio & porch: Porch,Deck
- Exterior features: None
Lot
- Lot size: 1 Acres
- Features: Road Frontage,Sloped
Parking
- Total spaces: 10
- Parking features: Off Street,Paved,Under Residence,Attached
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Inland Flooding
- Winter Weather
- Cold Wave
- Hail
- Lightning
- Strong Wind
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Schoharie County and New York
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,259 | $15,108 |
| Home Insurance * | $129 | $1,548 |
| Property Taxes | $390 | $4,680 |
| Electricity | $298 | $3,585 |
| Total | $2,076 | $24,912 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-02 | Price change | $249,000 |
| 2026-02-25 | Listed for sale | $265,000 |
| 2022-09-16 | Sold | $160,000 |
| 2022-08-05 | Pending sale | $169,900 |
| 2022-06-01 | Contingent | $169,900 |
| 2022-05-13 | Listed for sale | $169,900 |
For Sale by Agent
View on Zillow