2805 State Rte 10, Summit, NY 12175 Property Records

Schoharie County and Summit Town property record for 2805 State Rte 10, Summit, NY 12175

Property Summary

Property Type	Rural Home
Details	4 bd · 2 ba · 1,622 sqft · built 1981
Lot Size	25 acres (1,089,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$321,360 (Jun 2022)
Tax Bill	$6,875 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`434800 111.-6-16`

Property Details

APN / Parcel Number

Primary APN	`434800 111.-6-16`
Alternative APNs	`480011100000060160000000` `545J100248`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,622 sqft Living Area
1st Floor Area	1,622 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	1,089,000 sqft (25 acres)
Lot Width	940 ft Width
Garage Type	Detached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	78 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	545J100248
Street Address	2805 STATE ROUTE 10
City	SUMMIT
State	NY
Zip	12175-2509
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	01 - NOT Z
Legal Block	6
Legal Lot Number	16.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	SUMMIT
Census Block Group	1
Census Block	1032
Census Tract	740500

Owner

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	2 Individual Names on Record
Mailing Address	2805 STATE ROUTE 10, SUMMIT, NY 12175-2509
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2022 · Amount on Record
Deed Sale	Jun 10, 2022 · Amount on Record
Deed Document Number	2022811482
Deed Book / Page	1166 / 114
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Jun 10, 2022
Property Address	2805 STATE ROUTE 10, SUMMIT, NY 12175-2509
Document Number	001166/114
Book / Page	1166 / 114
Instrument Date	Jun 3, 2022
Instrument	811482
Transaction Type	Transfer
Record Updated	Jun 28, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3988 48TH ST # 2L, 2L, SUNNYSIDE, NY 11104-1022

Mortgage

Document Number	0000811483
Date	Jun 10, 2022
Instrument	811483

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Schoharie County and Summit Town assessment roll, as of May 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,875.00 (-0.16%)
2025	$6,886.00 (+9.23%)	$103,800 (-) Land $34,000 Building $69,800	$269,610 (+11.04%) Land $88,312 Building $181,298
2023		$103,800 Land $34,000 Building $69,800	$242,807 Land $79,532 Building $163,275
2020	$6,304.00

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.

Flood

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.

Wildfire

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
MIDTEL Fiber	500 / 100
Verizon Fixed Wireless	300 / 20