173 Summit Lake Rd, Summit, NY 12175 Property Records

Schoharie County and Summit Town property record for 173 Summit Lake Rd, Summit, NY 12175 · Last verified May 2026

Property Summary

Property Type	Seasonal / Vacation Home
Details	4 bd · 1 ba · 1,704 sqft · built 1949
Lot Size	0.69 acres (30,056 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Dec 2022)
Tax Bill	$5,931 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`434800 112.1-2-39`

Property Details

APN / Parcel Number

Primary APN	`434800 112.1-2-39`
Alternative APNs	`480011200100020390000000` `545J100381`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,704 sqft Living Area
1st Floor Area	1,032 sqft
Upper Floors Area	672 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	30,056 sqft (0.69 acres)
Lot Width	242 ft Width
Garage Type	Basement
Porch	Slab
Porch Area	280 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	545J100381
Street Address	173 SUMMIT LAKE RD
City	SUMMIT
State	NY
Zip	12175
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	INCLUDES SHORE LINE VALUE
Legal Block	2
Legal Lot Number	39.000
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 · APN 434800 112.1-2-39

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	Individual Name on File
Mailing Address	5349 HOWARD CREEK RD, SARASOTA, FL 34241-9642
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 21, 2022 · Amount on Record
Deed Sale	Dec 21, 2022 · Amount on Record
Deed Document Number	2022819906
Deed Book / Page	1180 / 178
Record Updated	Jun 08, 2026

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Dec 21, 2022
Property Address	173 SUMMIT LAKE RD, SUMMIT, NY 12175
Document Number	001180/178
Book / Page	1180 / 178
Instrument Date	Nov 30, 2022
Instrument	819906
Transaction Type	Transfer
Record Updated	Jan 10, 2023

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
Address	5349 HOWARD CREEK RD, SARASOTA, FL 34241-9642

Mortgage

Document Number	0000819907
Date	Dec 21, 2022
Instrument	819907

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 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	$5,931.00 (+51.73%)	$92,700 (+3.69%) Land $16,600 Building $76,100	$240,779 (+15.14%) Land $43,117 Building $197,662
2023		$89,400 Land $16,600 Building $72,800	$209,123 Land $38,830 Building $170,293
2020	$3,909.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schoharie County (36095C), updated February 16, 2012 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360957405001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 2 individual NFIP policies nearby
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 10,000 per year
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.