Schoharie County and Summit Town property record for 1197 Wharton Hollow Rd, Summit, NY 12175
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,430 sqft · built 1960 |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,616 (2026) |
| Deeds & Mortgages | Dec 2021 Refinance Mar 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 434800 124.-2-20 |
| Primary APN | 434800 124.-2-20 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,430 sqft Living Area |
| 1st Floor Area | 1,430 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 16,553 sqft (0.38 acres) |
| Lot Dimensions | 243 ft deep x 125 ft wide |
| Garage Type | Basement |
| Porch | Slab |
| Porch Area | 120 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 545J100330 |
|---|---|
| Street Address | 1197 WHARTON HOLLOW RD |
| City | SUMMIT |
| State | NY |
| Zip | 12175-2203 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01 - NOT Z |
| Legal Block | 2 |
| Legal Lot Number | 20.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | SUMMIT |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 740500 |
1197 Wharton Hollow Rd is owned and occupied by two individuals.
Source: Schoharie County and Summit Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1197 WHARTON HOLLOW RD, SUMMIT, NY 12175-2203 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 13, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance SCHOHARIE COUNTY OF |
| Mar 15, 2018 | Deed of Trust, Mortgage NY STATE AFFORDABLE HOUSING |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 1197 WHARTON HOLLOW RD, SUMMIT, NY 12175-2203 |
| Transaction Type | Mortgage |
| Record Updated | Jan 4, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001968/285 |
|---|---|
| Date | Dec 13, 2021 |
| Book Page | 1968/285 |
| Instrument | 800448 |
| Name | SCHOHARIE COUNTY OF |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 1197 WHARTON HOLLOW RD, SUMMIT, NY 12175-2203 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2018 |
| Name | Verified Name |
|---|
| Document Number | 0000001796/0000000159 |
|---|---|
| Date | Mar 15, 2018 |
| Book Page | 0000001796/0000000159 |
| Instrument | 000000737291 |
| Name | NY STATE AFFORDABLE HOUSING |
|---|
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 1197 Wharton Hollow Rd was $3,616 with exemptions applied, down 0.2% from the year before.
Source: Schoharie County and Summit Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Summit Town |
| Unified School District | Cobleskill-Richmondville Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,616.00 (-0.17%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $3,622.00 | $54,600 Land $6,200 Building $48,400 | $141,818 Land $16,104 Building $125,714 |
| 2023 | $54,600 Land $6,200 Building $48,400 | $127,719 Land $14,503 Building $113,216 | |
| 2020 | $2,265.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1197 Wharton Hollow Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective February 16, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 1197 Wharton Hollow Rd is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| MIDTEL Fiber | 500 / 100 |
May also be available: Verizon.
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