204 Bear Gulch Rd, Summit, NY 12175 Property Records

Schoharie County and Summit Town property record for 204 Bear Gulch Rd, Summit, NY 12175

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,701 sqft · built 1890
Lot Size	4.59 acres (199,940 sqft)
Owner	Company Name on Record
Last Sale	$38,000 (Jul 1997)
Tax Bill	$4,667 (2025)
Deeds & Mortgages	Nov 2024 Sale & Refinance
Flood Zone	Zone X (minimal risk)
APN	`434800 111.2-1-8`

Property Details

APN / Parcel Number

Primary APN	`434800 111.2-1-8`
Alternative APNs	`480011100200010080000000` `545J100641`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,701 sqft Living Area
1st Floor Area	1,314 sqft
Upper Floors Area	387 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	199,940 sqft (4.59 acres)
Lot Width	574 ft Width
Porch	Porch
Porch Area	230 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	545J100641
Street Address	204 BEAR GULCH RD
City	SUMMIT
State	NY
Zip	12175-2703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Description	INCLUDES SHORE LINE VALUE
Legal Block	1
Legal Lot Number	8.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	SUMMIT
Census Block Group	1
Census Block	1010
Census Tract	740500

Owner

Source: Schoharie County and Summit Town records, as of May 14, 2026

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

Owner of Record	Company Name on Record
Mailing Address	2791 STATE ROUTE 10, SUMMIT, NY 12175-2506
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 1997 · Amount on Record
Deed Sale	Jul 3, 1997 · Amount on Record
Deed Book / Page	617 / 244
Record Updated	Jun 8, 2026

November 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Nov 25, 2024
Property Address	204 BEAR GULCH RD, SUMMIT, NY 12175-2703
Document Number	001224/179
Book / Page	1224 / 179
Instrument Date	Nov 18, 2024
Instrument	827067
Transaction Type	Transfer
Record Updated	Apr 16, 2026

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	2791 STATE ROUTE 10, SUMMIT, NY 12175-2506

Mortgage

Document Number	002098/177
Date	Nov 25, 2024
Book Page	2098/177
Instrument	827068

Lender

Name	LAUNCH FINANCIAL GRP

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2054

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
2025	$4,667.00 (+5.23%)	$70,350 (-) Land $23,200 Building $47,150	$182,727 (+11.04%) Land $60,260 Building $122,467
2023		$70,350 Land $23,200 Building $47,150	$164,561 Land $54,269 Building $110,292
2020	$4,435.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 27 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
Verizon Fixed Wireless	300 / 20