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165 Vaughn Hill Road, Middleburgh, NY, 12122

5beds
4baths
5,000sqft
$999,999
$200price/sqft
$7,966/moest. monthly cost
$318,640/yrincome needed

About This Home

There's a quiet kind of luxury that comes from space, elevation, and complete privacy. This property captures it effortlessly. Perched high at 1,450 feet, 165 Vaughn Hill is a private retreat set on 15+ acres and surrounded by protected state land. The approach alone sets the tone: a winding, gravel drive opens to a Bluestone-framed entrance with thoughtfully designed gardens, and three spring-fed ponds that quietly anchor the landscape. The home is filled with natural light and framed by views in every direction. The Great Room is the heart of it all - centered around an Enviro-Tech masonry heater that brings both warmth and a sense of craftsmanship to the space. The kitchen is equally intentional - featuring Mountaineer Oak cabinetry, high-end stainless appliances, and a wet bar - designed for both everyday living and effortless entertaining. This private oasis offers flexibility for hosting, retreating, or simply spreading out and enjoying the quiet. Above the carport sits a bonus skylit loft space - perfect for an art studio, reading room, yoga, or anything you can imagine. The lower level of the main house adds even more versatility - complete with a summer kitchen, office or gym space, and a stone patio overlooking the swimming pond - a setting that feels both grounded and expansive. Bordering Dutton Ridge State Park, the property offers direct access to nature while still being within reach - about 30 minutes to Windham and Hunter Mountain, less than an hour to Albany, and roughly three hours to NYC. A retreat in every sense of the word. (The revised tax estimate below is based on the anticipated reduction from new tax roll in May; the current annual taxes are $30,000.)

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

5/10
5/10
Middleburgh High SchoolGrades 7-127.0 mi

Construction

Condition

  • Year built: 2008

Materials

  • Foundation: Concrete Perimeter
  • Roof: Metal
  • Construction materials: Cedar,Stucco,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Indoor Grill,Microwave,Oven,Range,Refrigerator,Washer,Wine Cooler
  • Laundry features: Laundry Room

Basement

  • Has basement: Yes
  • Basement: Apartment,Bath/Stubbed,Exterior Entry,Finished,Full,Heated,Interior Entry,Walk-Out Access

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Level: Second

Family Room

  • Level: Second

Features

  • High Speed Internet,Walk-In Closet(s),Wet Bar,Built-in Features,Cathedral Ceiling(s),Eat-in Kitchen,Kitchen Island
  • Flooring: Tile,Ceramic Tile,Concrete
  • Fireplace features: Living Room,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 5,000

Foyer

  • Level: Second

Heating & Cooling

  • Heating features: Baseboard,Propane,Radiant,Wood
  • Cooling features: Central Air

Interior Area

  • Total structure area: 5,000
  • Total interior livable area: 5,000 sqft

Kitchen

  • Level: Second

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: Second

Loft

  • Level: Third

Other

  • Level: Third

Other

  • Level: Third

Other

  • Level: First

Other

  • Level: First

Other

  • Level: First

Primary Bedroom

  • Level: Third

Property

Details

  • Parcel number: 432200 164.16
  • Special condition: Standard

Features

  • Patio & porch: Rear Porch,Covered,Deck,Front Porch,Patio
  • Exterior features: Garden,Dock
  • Has view: Yes
  • View description: Meadow,Mountain(s),Pond,Trees/Woods,Forest,Hills,Water
  • Has water view: Yes
  • Water view: Pond,Water
  • On waterfront: Yes
  • Waterfront features: Pond
  • Waterbody name: Private Pond

Lot

  • Lot size: 15.43 Acres
  • Features: Secluded,Views,Wooded,Cleared,Garden,Landscaped,Waterfront

Parking

  • Total spaces: 10
  • Parking features: Stone,Under Residence,Carport,Circular Driveway,Driveway,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Carport: Yes

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
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather

FEMA Declared Disasters in Schoharie County and New York

Flood
Severe Storm

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

MonthlyAnnual
Mortgage $5,056$60,672
Home Insurance *$518$6,216
Property Taxes $1,566$18,792
Electricity $826$9,915
Total$7,966$95,592
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$273,120/yr
40% on housing$238,980/yr
45% on housing$212,426/yr

New York FAIR Plan Programs

New York Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 20,669Commercial: 1,556
Total Premiums$32.27M
Total Exposure$7.63B

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.

Insurance Growth Rate5-year average: 2.5%
2.5%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -4.5%
-4.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$200This listing

vs Other Active Listings

Avg $/sqft

ZIP 12122$156
Schoharie County$187

vs Homes Sold Last Month

Median $/sqft

ZIP 12122$144
Schoharie County$160

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)

Price History

DateEventPrice
2026-04-18Price change$1,111,111
2025-06-13Price change$1,199,999
2024-11-15Listed for sale$1,395,000
2024-10-29Listing removed$1,700,000
2024-10-29Price change$1,700,000
2024-07-10Listed for sale$1,750,000
2024-06-17Listing removed$1,495,000
2024-05-16Listed for sale$1,495,000
2024-04-09Listing removed--
2023-08-24Price change$1,895,000
2023-06-01Listed for sale$1,995,000
2022-12-22Listing removed--
2022-07-07Listed for sale$2,500,000
2022-04-05Listing removed--
2021-09-11Listed for sale$2,400,000
2021-09-04Listing removed--
2021-05-27Listed for sale$2,200,000
2020-12-30Listing removed$899,000
2020-06-26Listed for sale$899,000
2010-06-18Sold$110,000

For Sale by Agent

AgentScott P Varley
BrokerageKW Platform

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