238 Bear Gulch Rd, Summit, NY 12175 Property Records

Schoharie County and Summit Town property record for 238 Bear Gulch Rd, Summit, NY 12175

Property Summary

Property Type	Residential
Details	1 bd · 660 sqft · built 1920
Lot Size	6.29 acres (273,992 sqft)
Owner	2 Individual Names on File
Last Sale	$37,500 (Sep 2014)
Tax Bill	$1,460 (2025)
Deeds & Mortgages	Sep 2025 Sale Sep 2025 Sale & Refinance
Flood Zone	Zone X (minimal risk)
APN	`434800 111.2-1-1`

Property Details

APN / Parcel Number

Primary APN	`434800 111.2-1-1`
Alternative APNs	`480011100200010010000000` `545J100536`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	660 sqft Living Area
1st Floor Area	660 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Bungalow
Exterior Material	Wood
Lot Area	273,992 sqft (6.29 acres)
Lot Width	510 ft Width
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Water Source	Well

Location & Zoning

Account Number	545J100536
Street Address	238 BEAR GULCH RD
City	SUMMIT
State	NY
Zip	12175
Property Category	Residential
Property Type	Residential > Specialized > Other
Local Zoning Code	01 - NOT Z
Legal Description	INCLUDES SHORE LINE VALUE
Legal Block	1
Legal Lot Number	1.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	SUMMIT
Census Block Group	1
Census Block	1013
Census Tract	740500

Owner

Source: Schoharie County and Summit Town records · APN 434800 111.2-1-1

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	238 BEAR GULCH RD, SUMMIT, NY 12175
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2025	Warranty Deed, Transfer
Sep 03, 2025	Warranty Deed, Transfer · Stand-Alone Refinance BANK OF RICHMONDVILLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 23, 2014 · Amount on Record
Deed Sale	Sep 23, 2014 · Amount on Record
Deed Book / Page	982 / 76
Prior Transfer Date	Nov 20, 2002
Prior Transfer Doc	0728000039
Record Updated	Jun 08, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Sep 11, 2025
Property Address	238 BEAR GULCH RD, SUMMIT, NY 12175
Document Number	0001242/32
Book / Page	1242 / 32
Instrument Date	Sep 10, 2025
Instrument	829824
Transaction Type	Transfer
Record Updated	Oct 08, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	658 ARGOSY ST, ISLIP TERRACE, NY 11752-2408

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Sep 03, 2025
Property Address	238 BEAR GULCH RD, SUMMIT, NY 12175
Document Number	001241/111
Book / Page	1241 / 111
Instrument Date	Aug 18, 2025
Instrument	829704
Transaction Type	Transfer
Record Updated	Sep 24, 2025

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	153 MACARTHUR AVE, COBLESKILL, NY 12043-4619

Mortgage

Document Number	0002126/94
Date	Sep 03, 2025
Book Page	2126/94
Instrument	829706

Lender

Name	BANK OF RICHMONDVILLE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2055

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,460.00 (+23.83%)	$22,008 (-) Land $20,008 Building $2,000	$57,164 (+11.04%) Land $51,969 Building $5,195
2023		$22,008 Land $20,008 Building $2,000	$51,481 Land $46,803 Building $4,678
2020	$1,179.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 16, 2012 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
The Middleburgh Telephone Company Fiber	500 / 100
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 27 locations within half a mile of this property.

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