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200 Donlan Heights Road, Middleburgh, NY, 12122

3beds
3baths
1,709sqft
$449,000
$263price/sqft
$3,488/moest. monthly cost
$139,520/yrincome needed

About This Home

Experience peaceful country living in this stunning brand-new construction home, perfectly situated on 3.3 private acres on a quiet dead-end road. Offering three bedrooms and three bathrooms, this thoughtfully designed residence combines modern comfort with the tranquility of nature. Surrounded by scenic stone walls and natural beauty, the property provides exceptional privacy and a serene setting while remaining conveniently located in a highly sought-after area. Inside, you'll find spacious living areas and quality craftsmanship throughout, creating a warm and inviting atmosphere for everyday living and entertaining. Step outside to the rear patio, an ideal space for hosting family and friends or simply relaxing while taking in the peaceful surroundings. The home's finish-able basement features tall ceilings, offering incredible potential for additional living space, a recreation room, home gym, or office. For added comfort and peace of mind, the property is equipped with an automatic standby generator, ensuring reliability and security year-round. Whether you're seeking a quiet retreat, room to grow, or the perfect blend of modern living and country charm, this exceptional property delivers it all.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

4/10
5/10
Middleburgh High SchoolGrades 7-125.7 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cape Cod
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Refrigerator,Gas Range,Dishwasher

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bathroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,709

Heating

  • Heating features: Propane

Interior Area

  • Total structure area: 1,709
  • Total interior livable area: 1,709 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Master Bathroom

  • Level: First

Master Bedroom

  • Level: First

Other

  • Level: First

Property

Details

  • Parcel number: 152.716.5
  • Zoning: res

Features

  • Stories: 2

Lot

  • Lot size: 3.30 Acres

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 $2,270$27,240
Home Insurance *$233$2,796
Property Taxes $703$8,436
Electricity $282$3,389
Total$3,488$41,856
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$119,588/yr
40% on housing$104,640/yr
45% on housing$93,013/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

$263This listing

vs Other Active Listings

Avg $/sqft

ZIP 12122$149
Schoharie County$186

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
2026-08-05Price change$429,000
2026-07-07Price change$449,000
2026-06-10Listed for sale$475,000

New Construction

AgentRyan Lane
BrokerageGilcrest Properties

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