Schoharie County and Summit Town property record for 232 Bear Gulch Rd, Summit, NY 12175 · Last verified May 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1949 |
| Square Footage | 960 sqft Living Area |
| Lot Size | 8,712 sqft (0.2 acres) |
| Garage | Detached, 560 sqft |
| Last Sale | $49,900 (2021) |
| Tax Bill | $3,662.00 (2025) |
| Primary APN | 434800 111.2-1-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Baths |
| Building Area | 960 sqft Living Area |
| 1st Floor | 960 sqft 1st Floor |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Architectural Style | Cottage Style |
| Exterior Material | Wood Exterior |
| Lot Area | 8,712 sqft (0.2 acres) |
| Depth X Width | 148 ft x 50 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 560 sqft Garage |
| Porch | 1 Porch |
| Porch Area | 120 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 | 545J100224 |
|---|---|
| Street Address | 232 BEAR GULCH RD |
| City | SUMMIT |
| State | NY |
| Zip | 12175-2703 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 1 |
| Legal Lot Number | 2.000 |
| Jurisdiction | SCHOHARIE NY |
| Minor Civil Division | SUMMIT |
| Census Blockgroup | 1 |
| Census Block | 1013 |
| Census Tract | 740500 |
Source: Schoharie County and Summit Town records · APN 434800 111.2-1-2
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 724 SPIRAL DR, BRICK, NJ 08724-2752 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 11, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF RICHMONDVILLE |
| Sep 20, 2024 | Warranty Deed, Transfer · Stand Alone First Mortgage ROCKET MORTGAGE |
| Apr 05, 2021 | Warranty Deed, Transfer |
| Nov 13, 2006 | Deed, Transfer ROYAL BURROWS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 05, 2021 · Amount on Record |
| Deed Sale | Apr 05, 2021 · Amount on Record |
| Prior Sale | Nov 13, 2006 · Amount on Record |
| Deed Doc Number | 2021786245 |
| Deed Book / Page | 1134 / 151 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 232 BEAR GULCH RD, SUMMIT, NY 12175-2703 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0002056/50 |
|---|---|
| Date | Oct 11, 2023 |
| Book Page | 2056/50 |
| Instrument | 823003 |
| Name | BANK OF RICHMONDVILLE |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 01, 2043 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Sep 20, 2024 |
| Property Address | 232 BEAR GULCH RD, SUMMIT, NY 12175-2703 |
| Document Number | 001219/238 |
| Book / Page | 1219 / 238 |
| Instrument Date | Sep 13, 2024 |
| Instrument | 826377 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| 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 | 724 SPIRAL DR, BRICK, NJ 08724-2752 |
| Document Number | 0000826378 |
|---|---|
| Date | Sep 20, 2024 |
| Instrument | 826378 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Apr 05, 2021 |
| Property Address | 232 BEAR GULCH RD, SUMMIT, NY 12175-2703 |
| Document Number | 001134/151 |
| Book / Page | 1134 / 151 |
| Instrument Date | Mar 29, 2021 |
| Instrument | 786245 |
| Transaction Type | Transfer |
| Record Updated | Mar 14, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 148 JERSEY LN, COBLESKILL, NY 12043-7614 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Nov 13, 2006 |
| Property Address | 232 BEAR GULCH RD, SUMMIT, NY 12175-2703 |
| Document Number | 0000000824/0000000099 |
| Book / Page | 0000000824 / 0000000099 |
| Instrument Date | Nov 09, 2006 |
| Transaction Type | Transfer |
| Record Updated | Mar 14, 2023 |
| Title Company | GREGORY KOHMEIER |
| 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 | 9438 STATE HIGHWAY 28, MERIDALE, NY 13806-2202 |
| Document Number | 0000001207/0000000139 |
|---|---|
| Date | Nov 13, 2006 |
| Book Page | 0000001207/0000000139 |
| Instrument | 0000462448 |
| Name | ROYAL BURROWS |
|---|---|
| Type | Private Party |
| Amount | Amount Recorded |
|---|
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 | $3,662.00 (+45.95%) | $55,200 (-) Land $4,500 Building $50,700 | $143,377 (+11.04%) Land $11,688 Building $131,689 |
| 2023 | $55,200 Land $4,500 Building $50,700 | $129,123 Land $10,526 Building $118,597 | |
| 2020 | $2,509.00 |
232 Bear Gulch 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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