124 Bear Gulch Rd, Summit, NY 12175 Property Records

Schoharie County and Summit Town property record for 124 Bear Gulch Rd, Summit, NY 12175

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,624 sqft · built 1974
Lot Size	5.01 acres (218,236 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Aug 2020)
Tax Bill	$5,798 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`434800 111.-2-6.2`

Property Details

APN / Parcel Number

Primary APN	`434800 111.-2-6.2`
Alternative APNs	`480011100000020060020000` `545J205004`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,624 sqft Living Area
1st Floor Area	1,624 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	218,236 sqft (5.01 acres)
Lot Width	327 ft Width
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Pool Area	250 sqft
Porch	Slab

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	545J205004
Street Address	124 BEAR GULCH RD
City	SUMMIT
State	NY
Zip	12175-2702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Block	2
Legal Lot Number	6.002
Jurisdiction	SCHOHARIE NY
Township / Civil Division	SUMMIT
Census Block Group	1
Census Block	1013
Census Tract	740500

Owner

Source: Schoharie County and Summit Town records · APN 434800 111.-2-6.2

Assessment roll updated May 14, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	124 BEAR GULCH RD, SUMMIT, NY 12175-2702
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2022	Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK
Aug 24, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage TRUSTCO BANK
Jun 16, 2017	Deed, Transfer NOT AVAILABLE, MICHAEL A WEST

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 24, 2020 · Amount on Record
Deed Sale	Aug 24, 2020 · Amount on Record
Prior Sale	Jun 16, 2017 · Amount on Record
Deed Document Number	2020777658
Deed Book / Page	1118 / 93
Record Updated	Jun 08, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	124 BEAR GULCH RD, SUMMIT, NY 12175-2702
Transaction Type	Mortgage
Record Updated	Aug 09, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002005/124
Date	Jul 21, 2022
Book Page	2005/124
Instrument	813847

Lender

Name	TRUSTCO BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2052

Interest

Rate Type	Adjustable Rate

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Aug 24, 2020
Property Address	124 BEAR GULCH RD, SUMMIT, NY 12175-2702
Document Number	0001118/93
Book / Page	1118 / 93
Instrument Date	Aug 12, 2020
Instrument	777658
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	435 COUNTY ROAD 27, BAINBRIDGE, NY 13733-3152
Investor	Possibly a Property Investor

Mortgage

Document Number	0001891/14
Date	Aug 24, 2020
Book Page	1891/14
Instrument	777659

Lender

Name	TRUSTCO BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2050

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Jun 16, 2017
Property Address	124 BEAR GULCH RD, SUMMIT, NY 12175-2702
Document Number	0000001047/0000000071
Book / Page	0000001047 / 0000000071
Instrument Date	Jun 15, 2017
Transaction Type	Transfer
Record Updated	May 12, 2022
Title Company	NOT AVAILABLE, MICHAEL A WEST

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	238 HOBROOK, LAKE RONKONKOMA, NY 11779-1841

Tax Assessment & Valuation

Source: Schoharie County and Summit Town records · Assessment roll updated May 14, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	New York
County	Schoharie County
County Subdivision	Summit Town
Unified School District	Cobleskill-Richmondville Central School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,798.00 (+20.54%)	$87,400 (-) Land $13,600 Building $73,800	$227,013 (+11.04%) Land $35,325 Building $191,688
2023		$87,400 Land $13,600 Building $73,800	$204,444 Land $31,813 Building $172,631
2020	$4,810.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 16, 2012 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
The Middleburgh Telephone Company Fiber	500 / 100
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 65 locations within half a mile of this property.

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