320 Main Street
Middleburgh, NY, 12122 $ 649,000
Bedrooms5 Baths6.0 Sq 4,646 Monthly Estimate*
$ 4,049
for $649,000 with 5 bedrooms and 6 full baths. This 4,646 square foot home was built in 1927 on a lot size of 0.06.
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.
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FeaturesGeneralAppliances Washer/Dryer Refrigerator Range Dishwasher
Zoning Com1
Architectural Style Rowhouse
Year Built 1927
Township Other
Property Subtype Multi Family
County Schoharie
New Construction N
Property Type Residential Income
HOA N
Attached Garage N
Garage Y/N N
Status Active
City Middleburgh
Senior Community Y/N N
High School District Middleburgh
Number Of Units Total 6
MLS Area Middleburgh
Lot Size Units Acres
Lot Size Square Feet 2613.6
Carport Y/N N
Tax Annual Amount 12166.0
Home Warranty Y/N N
Lease Renewal Y/N N
MLS Area Minor Middleburgh
Additional Parcels Y/N N
Lease Considered Y/N N
Rent Control Y/N N
Standard Status Active
Tax Assessed Value 278300
Tax Lot 13
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ExteriorLot Size Area 0.06
Spa N
Building Area Total 4646.0
Lot Size Acres 0.06
Waterfront Y/N N
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InteriorBasement (Y/N) N
Fireplace Y/N N
Above Grade Finished Area 4646.0
Total Bedrooms 5
Below Grade Finished Area 0.0
Total Baths 6
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* Excluded FeaturesList ByArlena Armstrong-PetockListing Agent
Arlena@thatupstateagent.comEmail
Affordability Calculator
- Monthly Principal & Interest
- $4,049
- Monthly Property Taxes
- $1,014
- Monthly Home Insurance
- --
Default based on a 30-year fixed rate of 6.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
Learn more about how to save NearbyMulti-family listings in Middleburgh, NY
Average List Price $373,540
Percent of Sale Price 42%
About Middleburgh, NY 3,687 Population
3% Since 2002
$ 42,135 Median Income
45.16 Median Age
25% Households with Children
Trends Information provided by ATTOM Data Solutions.
5039410 Elementary School
5039412 Middle School
Unknown High School High School
Pricing History| Date | Price | Price Change | Description |
|---|
| 10/7/2025 | $649,000 | -5.94% | Price Down |
| 7/2/2025 | $690,000 | | Listed Price |