320 Main Street Middleburgh, NY $ 649,000
320 Main Street
$ 649,000
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320 Main Street

Middleburgh, NY, 12122
$ 649,000
Bedrooms5 Baths6.0 Sq 4,646

Monthly Estimate*

$ 4,049

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Multi-Family Home for sale in Middleburgh, NY

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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Multi-Family Active

Price

$ 649,000

Bedrooms

5

Full Bath

6

Property Type

Multi-Family

Taxes

$ 12,166

Style

Rowhouse

Lot Size

0.06

Year Built

1927

Town/City

Middleburgh

County/Region

Schoharie

MLS | Web ID

20252686

Features
General
Appliances 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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Exterior
Lot Size Area 0.06
Spa N
Building Area Total 4646.0
Lot Size Acres 0.06
Waterfront Y/N N
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Interior
Basement (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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Internal Only
Street Number 1 320
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* Excluded Features
List By
Arlena Armstrong-Petock

Listing Agent

Anatole House Llc

Broker

Arlena@thatupstateagent.com

Email

Affordability Calculator

$5,063
Per Month
80%
20%
0%
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.
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Nearby
5039410 Elementary School
5039412 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
10/7/2025$649,000 -5.94% Price Down
7/2/2025$690,000 Listed Price

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320 Main Street, Middleburgh, NY, 12122 is a Multi-Family Home for sale at $649,000 with 4,646 sqft and a lot size of 0.06. 320 Main Street has 5 bedrooms, 6.0 baths, and was built in 1927. The property's zip code is 12122 which is in Middleburgh, NY