Schoharie County and Summit Town property record for 228 Bear Gulch Rd, Summit, NY 12175 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,252 sqft · built 1975 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on File |
| Last Sale | $74,470 (Sep 2015) |
| Tax Bill | $3,731 (2025) |
| Deeds & Mortgages | Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 434800 111.2-1-3 |
| Primary APN | 434800 111.2-1-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,252 sqft Living Area |
| 1st Floor Area | 1,252 sqft |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 13,068 sqft (0.3 acres) |
| Lot Dimensions | 130 ft deep x 100 ft wide |
| Garage Type | Basement |
| Porch | Slab |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Account Number | 545J100350 |
|---|---|
| Street Address | 228 BEAR GULCH RD |
| City | SUMMIT |
| State | NY |
| Zip | 12175-2703 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 1 |
| Legal Lot Number | 3.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | SUMMIT |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 740500 |
Source: Schoharie County and Summit Town records · APN 434800 111.2-1-3
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 | 228 BEAR GULCH RD, SUMMIT, NY 12175-2703 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 28, 2015 · Amount on Record |
| Deed Sale | Sep 28, 2015 · Amount on Record |
| Deed Book / Page | 1006 / 209 |
| Prior Transfer Date | Jan 08, 2013 |
| Prior Transfer Doc | 0000000949/000000007 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Aug 16, 2021 |
| Property Address | 228 BEAR GULCH RD, SUMMIT, NY 12175-2703 |
| Document Number | 001144/234 |
| Book / Page | 1144 / 234 |
| Instrument Date | Jul 26, 2021 |
| Instrument | 794653 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 223 SOUTH ST, LITCHFIELD, CT 06759-4024 |
| Document Number | 001948/103 |
|---|---|
| Date | Aug 16, 2021 |
| Book Page | 1948/103 |
| Instrument | 794655 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
Source: Schoharie County and Summit Town records · Assessment roll updated May 14, 2026 · Last verified May 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 | $3,731.00 (+42.46%) | $56,250 (-) Land $5,500 Building $50,750 | $146,104 (+11.04%) Land $14,286 Building $131,818 |
| 2023 | $56,250 Land $5,500 Building $50,750 | $131,579 Land $12,866 Building $118,713 | |
| 2020 | $2,619.00 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 2 in force |
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 27 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| The Middleburgh Telephone Company | Fiber | 500 / 100 |
| Verizon | Fixed Wireless | 300 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE
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