Schoharie County and Summit Town property record for 245 Bear Gulch Rd, Summit, NY 12175
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 2 bd · 1 ba · 1,152 sqft · built 1920 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $188,000 (Nov 2021) |
| Tax Bill | $4,600 (2025) |
| Deeds & Mortgages | Nov 2021 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 434800 100.4-3-34 |
| Primary APN | 434800 100.4-3-34 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,152 sqft Living Area |
| 1st Floor Area | 1,152 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Cottage |
| Exterior Material | Wood |
| Foundation Type | No Foundation |
| Lot Area | 21,780 sqft (0.5 acres) |
| Lot Dimensions | 415 ft deep x 50 ft wide |
| View / Lot | Waterfront |
| Porch | Slab |
| Porch Area | 240 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Account Number | 545J100357 |
|---|---|
| Street Address | 245 BEAR GULCH RD |
| City | SUMMIT |
| State | NY |
| Zip | 12175 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Local Zoning Code | 01 - NOT Z |
| Legal Description | INCLUDES SHORE LINE VALUE |
| Legal Block | 3 |
| Legal Lot Number | 34.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | SUMMIT |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 740500 |
Source: Schoharie County and Summit Town records · APN 434800 100.4-3-34
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 | PO BOX 88, CARLISLE, NY 12031-0088 |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 03, 2021 · Amount on Record |
| Deed Sale | Nov 03, 2021 · Amount on Record |
| Prior Sale | Jul 12, 2012 · Amount on Record |
| Deed Document Number | 2021797963 |
| Deed Book / Page | 1150 / 75 |
| Prior Transfer Date | Jun 28, 2012 |
| Prior Transfer Doc | 0000000937/000000006 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Nov 03, 2021 |
| Property Address | 245 BEAR GULCH RD, SUMMIT, NY 12175 |
| Document Number | 1150/75 |
| Book / Page | 1150 / 75 |
| Instrument Date | Oct 28, 2021 |
| Instrument | 797963 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 23, 2021 |
| 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 |
|---|---|
| Relationship | Joint Tenants |
| Address | PO BOX 88, CARLISLE, NY 12031-0088 |
| Document Number | 797974 |
|---|---|
| Date | Nov 03, 2021 |
| Instrument | 797974 |
| Name | FARM CREDIT |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,600.00 (+21.53%) | $69,340 (-) Land $13,800 Building $55,540 | $180,104 (+11.04%) Land $35,844 Building $144,260 |
| 2023 | $69,340 Land $13,800 Building $55,540 | $162,199 Land $32,281 Building $129,918 | |
| 2020 | $3,785.00 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| 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.
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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