NOT LISTED FOR SALE

320 Main St Middleburgh, NY 12122

Estimated Value: $674,847

-- Bed
5 Baths
4,646 Sq Ft
$145/Sq Ft Est. Value

Last Sold December 02, 2021

Last sale price $140,000 $30 Per Sq Ft

Est. 382% increase in value since last sale

Current estimated payment $4,918/month

67 Days on Market

Highlights

  • Active Adult
  • No HOA
  • Zoned Heating
  • Wood Flooring
  • Porch
  • Baseboard Heating

About This Home

As of December 2021

Attention all savvy investors, Airbnb aficionados, and cash-flow chasers: this is not your average upstate property. This fully renovated, mixed-use beauty in the heart of Middleburgh is part turnkey income stream, part lifestyle play—and 100 ready to impress your portfolio.

Let's talk numbers: five fully dialed-in apartments, thoughtfully designed and primed for short-term or long-term rental domination. Each one-bedroom unit has ductless heat/AC, in-unit laundry, dishwashers, and the kind of clean, modern finish tenants will happily pay for. Four units share a common entrance; one gets its own private access.

Then there's the cherry on top: a stylish commercial storefront currently home to one of the town's most beloved coffee shops and bakeries. That means a built-in anchor tenant, consistent monthly income, and community clout. Whether you keep the scones flowing or reimagine the space, this is exactly the kind of mixed-use setup that checks every investor box: residential + commercial = stability and flexibility, all under one beautifully updated roof.

Speaking of updates—this isn't a landlord-special reno. The building has been gutted and rebuilt with modern systems, plumbing, electric, HVAC, and more, while keeping just enough historic character to charm your tenants. It's clean, compliant, and cruising into your cap rate sweet spot.

Located right in the center of walkable, friendly Middleburgh, your tenants will enjoy quaint shops, local eats, and community events year-round. You? You'll enjoy diversified income streams and that elusive combo of lifestyle and ROI.

The numbers make sense, the setup is solid, and the hard work is already done. All that's missing is the investor who sees the potential and takes the leap. Floor plans and financials are ready when you are.

This isn't just real estate. It's a recession-resistant, revenue-generating, rural dream machine.

Last Agent to Sell the Property

Matthew Loder

Country Boy Realty License #10311204132 Listed on: 12/06/2021

Last Buyer's Agent

Matthew Loder

Country Boy Realty License #10311204132 Listed on: 12/06/2021

Property Details

Home Type

  • Multi-Family

Est. Annual Taxes

  • $6,530

Year Built

  • Built in 1927

Lot Details

  • 2,614 Sq Ft Lot
  • Level Lot

Home Design

  • Brick Exterior Construction
  • Rubber Roof
  • Vinyl Siding

Interior Spaces

  • 4,646 Sq Ft Home
  • Basement Fills Entire Space Under The House

Flooring

  • Wood
  • Laminate
  • Vinyl

Parking

  • 3 Parking Spaces
  • Off-Street Parking

Outdoor Features

  • Porch

Utilities

  • No Cooling
  • Zoned Heating
  • Heating System Uses Oil
  • Radiant Heating System
  • Baseboard Heating
  • Hot Water Heating System

Listing and Financial Details

  • Tenant pays for electricity
  • The owner pays for trash collection, heat
  • Legal Lot and Block 13 / 4
  • Assessor Parcel Number 433801 106.15-4-13

Community Details

Overview

  • Active Adult
  • No Home Owners Association
  • 6 Units

Building Details

  • Insurance Expense $3,758

Property Details

Home Type

Multi-Family

Est. Annual Taxes

$6,530

Year Built

Built in 1927

Lot Details

0

Listing Details

  • Property Type: MultiFamily
  • Property Sub Type: 5+ Units
  • Electric Expense: 1156.0
  • Year Built: 1927
  • Directions: Route 7 East to right on Route 145 S. Left onto NY-145 / Main Street.
  • Above Grade Finished Sq Ft: 4646.0
  • Architectural Style: Apartment 4 Plus Unit
  • Financial Details General Taxes: 2038.0
  • General Taxes Description: Estimated
  • Financial Details School Taxes: 3476.0
  • School Taxes Description: Estimated
  • Financial Details Village Taxes: 1155.0
  • Village Taxes Description: Estimated
  • Lot Size Acres: 0.06
  • Lot Size: .60
  • Parking Features Parking Total: 3.0
  • Possession Possession Legacy: at closing
  • Sale Detail Seller Contribution: No
  • Senior Community YN: No Special Conditions
  • Number Of Separate Electric Meters: 6
  • Number of Separate Water Meters: 1
  • Electric Expense Description: Estimated
  • Gas Expense Description: Estimated
  • Insurance Expense Description: Estimated
  • Water Sewer Expense Description: Estimated
  • Miscellaneous Expense Description: Estimated
  • Oil Expense Description: Estimated
  • Other Income Description: Estimated
  • Income Description: Estimated
  • Number of Refrigerators: 5
  • Unit Information Number Of Stoves: 5
  • Flooring:Laminate: Yes
  • Flooring:Hardwood: Yes
  • Flooring:Wood: Yes
  • Flooring:Vinyl: Yes
  • Special Features: None

Interior Features

  • Flooring: Vinyl, Wood, Hardwood, Laminate
  • Basement: Full
  • Living Area: 4646.0
  • Owner Pays: Trash Collection, Heat
  • Full Basement: Yes
  • Unit 2 Owner Furnish Features:Heat4: Yes
  • Unit 1 Owner Furnish Features:Heat3: Yes
  • Unit 3 Owner Furnish Features:Heat5: Yes
  • Unit 4 Owner Furnish Features:Heat6: Yes
  • Unit 5 Owner Furnish Features:Heat7: Yes
  • Unit 6 Owner Furnish Features:Heat10: Yes

Exterior Features

  • Roof: Rubber
  • Construction Type: Brick, Tex 11 Siding, Vinyl Siding
  • Patio And Porch Features: Porch
  • Waterfront: No
  • Construction Materials:Vinyl Siding: Yes
  • Patio And Porch Features:Porch: Yes
  • Lot Features:Level: Yes
  • Construction Materials:Tex 11 Siding: Yes
  • Construction Materials:Brick: Yes

Garage/Parking

  • Parking Features: Off Street
  • Attached Garage: No
  • Total Parking Spaces: 3.0
  • Parking Features:Off Street: Yes

Utilities

  • Sewer: Public Sewer
  • Cooling: None
  • Heating: Baseboard, Hot Water, Radiant, Zoned, Oil
  • Water Source: Public
  • Cooling Y N: No
  • Heating Yn: Yes
  • Heating:Baseboard: Yes
  • Heating:Hot Water: Yes
  • Heating:Oil2: Yes
  • Heating:Radiant: Yes
  • Heating:Zoned: Yes

Condo/Co-op/Association

  • Association: No
  • Senior Community: Yes

Association/Amenities

  • Parcel Tax HOA:Association YN: No

Schools

  • Junior High Dist: Middleburgh

Lot Info

  • Lot Features: Level
  • Parcel #: 433801 106.15-4-13
  • Lot Size Sq Ft: 2613.6
  • ResoLotSizeUnits: Acres

Rental Info

  • Tenant Pays: Electricity

Multi Family

  • Insurance Expense: 3758.0
  • Number Of Units Total: 6

Tax Info

  • Tax Annual Amount: 6530.0
  • Tax Block: 4
  • Tax Lot: 13

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Dec 6, 2021
Closed on
Dec 2, 2021
Sold by
Slammin Apartments Llc
Bought by
320 Main St Owners Llc
Seller's Agent
Matthew Loder
Country Boy Realty
Buyer's Agent
Matthew Loder
Country Boy Realty
List Price
$179,900
Sold Price
$140,000
Premium/Discount to List
-$39,900
-22.18%
Current Estimated Value
$674,847

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$534,847
Avg. Annual Appreciation
47.31%
Original Mortgage
$330,000
Outstanding Balance
$303,432
Interest Rate
3.09%
Mortgage Type
Purchase Money Mortgage
Estimated Equity
$371,415

Purchase Details

Listed on
Jun 20, 2016
Closed on
Jan 30, 2017
Sold by
A & P Sons Realty Llc
Bought by
Slammin Apartments Llc
Seller's Agent
Matthew Loder
Country Boy Realty
Buyer's Agent
Matthew Loder
Country Boy Realty
List Price
$150,000
Sold Price
$140,000
Premium/Discount to List
-$10,000
-6.67%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
0.00%
Original Mortgage
$105,000
Interest Rate
4.32%
Mortgage Type
Commercial

Purchase Details

Closed on
Dec 28, 2006
Sold by
Leather Charles
Bought by
A & P Sons Realty Llc

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$136,500
Interest Rate
6.24%
Mortgage Type
Commercial

Purchase Details

Closed on
Dec 30, 2003
Sold by
75 Builders Corp
Bought by
Leather Charles
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Buyer Sale Price Title Company
320 Main St Owners Llc $140,000 None Available
Slammin Apartments Llc $140,000 Jon Kosich
A & P Sons Realty Llc $195,000 Michael Shultes
Leather Charles $172,750 Michael Shultes
Source: Public Records

Mortgage History

Date Status Borrower Loan Amount
Open 320 Main St Owners Llc $330,000
Previous Owner Slammin Apartments Llc $105,000
Previous Owner A & P Sons Realty Llc $136,500
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
10/07/2025 10/07/25 Price Changed $649,000 -5.9% $140 / Sq Ft
07/02/2025 07/02/25 For Sale $690,000 +392.9% $149 / Sq Ft
12/02/2021 12/02/21 Sold $140,000 0.0% $30 / Sq Ft
07/17/2021 07/17/21 Off Market $140,000 -- --
03/17/2021 03/17/21 Price Changed $169,900 -5.6% $37 / Sq Ft
02/27/2021 02/27/21 For Sale $179,900 0.0% $39 / Sq Ft
10/01/2020 10/01/20 Pending -- -- --
07/26/2020 07/26/20 For Sale $179,900 +28.5% $39 / Sq Ft
01/30/2017 01/30/17 Sold $140,000 -6.7% $30 / Sq Ft View Prior Sale
11/18/2016 11/18/16 Pending -- -- --
06/20/2016 06/20/16 For Sale $150,000 -- $32 / Sq Ft
Source: Global MLS

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $16,585 $278,300 $7,100 $271,200
2023 $14,031 $278,300 $7,100 $271,200
2022 $5,573 $110,000 $7,100 $102,900
2021 $6,131 $110,000 $7,100 $102,900
2020 $8,608 $110,000 $7,100 $102,900
2019 $6,740 $110,000 $7,100 $102,900
2018 $6,740 $110,000 $7,100 $102,900
2017 $8,390 $145,000 $7,100 $137,900
2016 $8,305 $145,000 $7,100 $137,900
2015 -- $145,000 $7,100 $137,900
2014 -- $145,000 $7,100 $137,900
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Global MLS

MLS Number: 202024040

Global MLS

APN: 433801-106-015-0004-013-000-0000