149 Summit Lake Rd, Summit, NY 12175 Property Records

Schoharie County and Summit Town property record for 149 Summit Lake Rd, Summit, NY 12175

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 1 ba · 864 sqft · built 1940
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$277,500 (Feb 2022)
Tax Bill	$5,438 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`434800 112.1-2-32.2`

Property Details

APN / Parcel Number

Primary APN	`434800 112.1-2-32.2`
Alternative APNs	`480011200100020320020000` `545J205006`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	864 sqft Living Area
1st Floor Area	864 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cottage
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	192 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	545J205006
Street Address	149 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	32.002
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	305 E 84TH ST, 3RE, NEW YORK, NY 10028-4436
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Feb 1, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage HOMESTEAD FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2022 · Amount on Record
Deed Sale	Feb 1, 2022 · Amount on Record
Prior Sale	Oct 2, 2020 · Amount on Record
Deed Document Number	2022804843
Deed Book / Page	1156 / 234
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	149 SUMMIT LAKE RD, SUMMIT, NY 12175
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002138/218
Date	Dec 26, 2025
Book Page	2138/218
Instrument	830827

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Feb 1, 2022
Property Address	149 SUMMIT LAKE RD, SUMMIT, NY 12175
Document Number	001156/234
Book / Page	1156 / 234
Instrument Date	Jan 25, 2022
Instrument	804843
Transaction Type	Transfer
Record Updated	Feb 22, 2022

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
Relationship	Joint Tenants with Right of Survivorship
Address	305 E 84TH ST APT 3RE, 3RE, NEW YORK, NY 10028-4436

Mortgage

Document Number	0000804845
Date	Feb 1, 2022
Instrument	804845

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$5,438.00 (+4.82%)
2025	$5,188.00 (+57.36%)	$82,100 (+4.99%) Land $11,000 Building $71,100	$213,247 (+16.58%) Land $28,571 Building $184,676
2023		$78,200 Land $11,000 Building $67,200	$182,924 Land $25,731 Building $157,193
2020	$3,297.00

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.

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