Schoharie County and Summit Town property record for 249 Bear Gulch Rd, Summit, NY 12175
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 816 sqft · built 1961 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,722 (2026) |
| Deeds & Mortgages | Nov 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 434800 100.4-3-31.1 |
| Primary APN | 434800 100.4-3-31.1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 816 sqft Living Area |
| 1st Floor Area | 816 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Architectural Style | Rustic |
| Exterior Material | Wood |
| Lot Area | 19,602 sqft (0.45 acres) |
| Lot Dimensions | 400 ft deep x 52.2 ft wide |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 545J100323 |
|---|---|
| Street Address | 249 BEAR GULCH RD |
| City | SUMMIT |
| State | NY |
| Zip | 12175-2705 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01 - NOT Z |
| Legal Block | 3 |
| Legal Lot Number | 31.001 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | SUMMIT |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 740500 |
Source: Schoharie County and Summit Town records, as of October 20, 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 Record |
|---|---|
| Mailing Address | 249 BEAR GULCH RD, SUMMIT, NY 12175-2705 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Oct 6, 2006 |
| Transfer Doc | 0000000822/000000001 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 249 BEAR GULCH RD, SUMMIT, NY 12175-2705 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1904/157 |
|---|---|
| Date | Nov 19, 2020 |
| Book Page | 1904/157 |
| Instrument | 782121 |
| Name | BETHPAGE FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Schoharie County and Summit Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schoharie County |
| County Subdivision | Summit Town |
| Unified School District | Cobleskill-Richmondville Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,722.00 (-0.16%) | ||
| 2025 | $3,728.00 (+18.27%) | $56,200 (-) Land $13,400 Building $42,800 | $145,974 (+11.04%) Land $34,805 Building $111,169 |
| 2023 | $56,200 Land $13,400 Building $42,800 | $131,462 Land $31,345 Building $100,117 | |
| 2020 | $3,152.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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