145 Summit Lake Rd, Summit, NY 12175 Property Records

Schoharie County and Summit Town property record for 145 Summit Lake Rd, Summit, NY 12175

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 1 ba · 1,080 sqft · built 1973
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Apr 2022)
Tax Bill	$4,961 (2026)
Deeds & Mortgages	Sep 2026 Sale Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`434800 112.1-2-32.1`

Property Details

APN / Parcel Number

Primary APN	`434800 112.1-2-32.1`
Alternative APNs	`480011200100020320010000` `434800 112.1-2-32.12` `545J222003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,080 sqft Living Area
1st Floor Area	720 sqft
Upper Floors Area	360 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Cottage
Exterior Material	Wood
Foundation Type	Raised
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	110 ft deep x 52 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	128 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	545J222003
Street Address	145 SUMMIT LAKE RD
City	SUMMIT
State	NY
Zip	12175
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	01 - NOT Z
Legal Block	2
Legal Lot Number	32.012
Jurisdiction	SCHOHARIE NY
Township / Civil Division	SUMMIT
Census Block Group	1
Census Block	1055
Census Tract	740500

Owner

Source: Schoharie County and Summit Town records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	145 SUMMIT LAKE RD, SUMMIT, NY 12175
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Apr 1, 2022	Deed, Transfer · Stand-Alone First Mortgage EMPOWER FCU
Jul 19, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2022 · Amount on Record
Deed Sale	Apr 1, 2022 · Amount on Record
Deed Document Number	2022808407
Deed Book / Page	1160 / 200
Prior Transfer Date	May 22, 2018
Prior Transfer Doc	001073/182
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Sep 9, 2026
Property Address	145 SUMMIT LAKE RD, SUMMIT, NY 12175
Document Number	0000833341
Book / Page	1262 / 228
Instrument Date	Sep 1, 2026
Instrument	2026833341
Transaction Type	Transfer
Record Updated	Sep 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Apr 1, 2022
Property Address	145 SUMMIT LAKE RD, SUMMIT, NY 12175
Document Number	001160/200
Book / Page	1160 / 200
Instrument Date	Mar 29, 2022
Instrument	808407
Transaction Type	Transfer
Record Updated	Mar 21, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Address	5853 STATE HIGHWAY 10, PALATINE BRIDGE, NY 13428-2610

Mortgage

Document Number	0000808408
Date	Apr 1, 2022
Instrument	808408

Lender

Name	EMPOWER FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Jul 19, 2018
Property Address	145 SUMMIT LAKE RD, SUMMIT, NY 12175
Document Number	001073/182
Book / Page	1073 / 182
Instrument Date	May 22, 2018
Instrument	000000745077
Transaction Type	Transfer
Record Updated	Mar 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	168 TARBORTAN RD, SAND LAKE, NY 12153

Tax Assessment & Valuation

Source: Schoharie County and Summit Town assessment roll, as of May 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,961.00 (+3.44%)
2025	$4,796.00 (+26.81%)	$74,900 (+3.6%) Land $19,000 Building $55,900	$194,545 (+15.03%) Land $49,351 Building $145,194
2023		$72,300 Land $19,000 Building $53,300	$169,123 Land $44,444 Building $124,679
2020	$3,782.00

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.

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 96% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
MIDTEL Fiber	500 / 100

May also be available: Verizon.

Nearby Properties on Summit Lake Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures