Schoharie County and Summit Town property record for 165 Gray Rd, Summit, NY 12175 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2003 |
| Square Footage | 1,872 sqft Living Area |
| Lot Size | 261,360 sqft (6 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $8,300 (2002) |
| Tax Bill | $5,549.00 (2025) |
| Primary APN | 434800 124.-4-11 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,872 sqft Living Area |
| 1st Floor | 1,248 sqft 1st Floor |
| Upper Floors | 624 sqft Upper Floors |
| Stories | 1 Stories |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Cape Cod Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 261,360 sqft (6 acres) |
| Lot Width | 468 ft Width |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 720 sqft Garage |
| Porch | 1 Porch |
| Porch Area | 144 sqft Porch |
| Heating System | Forced Air with Air Conditioning Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Sewage | Septic Sewage |
| Water Source | Well Water Source |
| Account Number | 545J100653 |
|---|---|
| Street Address | 165 GRAY RD |
| City | SUMMIT |
| State | NY |
| Zip | 12175 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 4 |
| Legal Lot Number | 11.000 |
| Jurisdiction | SCHOHARIE NY |
| Minor Civil Division | SUMMIT |
| Census Blockgroup | 1 |
| Census Block | 1046 |
| Census Tract | 740500 |
Source: Schoharie County and Summit Town records · APN 434800 124.-4-11
Assessment roll updated May 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 171, SUMMIT, NY 12175-0171 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 26, 2026 | Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION |
| Aug 21, 2017 | Deed of Trust, Mortgage FIRST NEW YORK FEDERAL CREDIT UNION |
| Jul 12, 2018 | Deed of Trust, Mortgage FIRST NEW YORK FEDERAL CREDIT UNION |
| Aug 21, 2017 | Intrafamily Transfer, Transfer NONE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 18, 2002 · Amount on Record |
| Deed Sale | Nov 18, 2002 · Amount on Record |
| Prior Sale | Jul 09, 2001 · Amount on Record |
| Deed Book / Page | 727 / 198 |
| Last Transfer Date | Aug 11, 2017 |
| Transfer Doc | 0000001051/000000024 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Jun 26, 2026 |
| Property Address | 165 GRAY RD, SUMMIT, NY 12175 |
| Document Number | 0000832619 |
| Book / Page | 2155 / 272 |
| Instrument Date | Jun 26, 2026 |
| Instrument | 2026832619 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|
| Document Number | 0000832619, |
|---|---|
| Date | Jun 26, 2026 |
| Book Page | 2155/272 |
| Instrument | 2026832619 |
| Name | UNION FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 26, 2041 |
| Rate | 5.87% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 165 GRAY RD, SUMMIT, NY 12175 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001770/0000000234 |
|---|---|
| Date | Aug 21, 2017 |
| Book Page | 0000001770/0000000234 |
| Instrument | 000000724403 |
| Name | FIRST NEW YORK FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|---|
| Term | 173 Months |
| Due | Jan 01, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 165 GRAY RD, SUMMIT, NY 12175 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001808/0000000275 |
|---|---|
| Date | Jul 12, 2018 |
| Book Page | 0000001808/0000000275 |
| Instrument | 000000744383 |
| Name | FIRST NEW YORK FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Aug 21, 2017 |
| Property Address | 165 GRAY RD, SUMMIT, NY 12175 |
| Document Number | 0000001051/0000000248 |
| Book / Page | 0000001051 / 0000000248 |
| Instrument Date | Aug 11, 2017 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Title Company | NONE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 165 GRAY RD, SUMMIT, NY 12175 |
Source: Schoharie County and Summit Town records · Assessment roll updated May 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Summit Town |
| Unified School District | Cobleskill-Richmondville Central School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,549.00 (+18.39%) | $83,650 (-) Land $14,500 Building $69,150 | $217,273 (+11.04%) Land $37,662 Building $179,611 |
| 2023 | $83,650 Land $14,500 Building $69,150 | $195,673 Land $33,918 Building $161,755 | |
| 2020 | $4,687.00 |
165 Gray Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Schoharie County (36095C), updated February 16, 2012
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 55th in New York |
|---|---|
| Wildfire Likelihood | Low — about 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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