Schoharie County and Summit Town property record for 291 Bear Gulch Rd, Summit, NY 12175
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 3 bd · 2 ba · 756 sqft · built 1920 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $175,000 (Jun 2021) |
| Tax Bill | $3,940 (2025) |
| Deeds & Mortgages | Jun 2021 Sale Nov 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 434800 100.4-3-15 |
| Primary APN | 434800 100.4-3-15 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 756 sqft Living Area |
| 1st Floor Area | 756 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Cottage |
| Exterior Material | Wood |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 174 ft deep x 51.5 ft wide |
| Porch | Slab |
| Porch Area | 208 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Account Number | 545J100155 |
|---|---|
| Street Address | 291 BEAR GULCH RD |
| City | SUMMIT |
| State | NY |
| Zip | 12175-2706 |
| 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 | 15.000 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | SUMMIT |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 740500 |
Source: Schoharie County and Summit Town records, as of May 14, 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 | 9 ELM CT, WINDSOR, CT 06095-2912 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 24, 2021 | Warranty Deed, Transfer |
| Nov 15, 2017 | Deed of Trust, Mortgage NASSAU EDUCATORS FEDERAL CREDIT UNION |
| Nov 15, 2017 | Deed, Transfer NOT AVAILABLE, MICHAEL BREEN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 24, 2021 · Amount on Record |
| Deed Sale | Jun 24, 2021 · Amount on Record |
| Prior Sale | Nov 15, 2017 · Amount on Record |
| Deed Document Number | 2021791417 |
| Deed Book / Page | 1141 / 159 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Jun 24, 2021 |
| Property Address | 291 BEAR GULCH RD, SUMMIT, NY 12175-2706 |
| Document Number | 001141/159 |
| Book / Page | 1141 / 159 |
| Instrument Date | Jun 16, 2021 |
| Instrument | 791417 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9 ELM CT, WINDSOR, CT 06095-2912 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Property Address | 291 BEAR GULCH RD, SUMMIT, NY 12175-2706 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001781/0000000010 |
|---|---|
| Date | Nov 15, 2017 |
| Book Page | 0000001781/0000000010 |
| Instrument | 000000728174 |
| Name | NASSAU EDUCATORS FEDERAL CREDIT UNION |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 170 Months |
| Due | Jan 1, 2032 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Nov 15, 2017 |
| Property Address | 291 BEAR GULCH RD, SUMMIT, NY 12175-2706 |
| Document Number | 0000001058/0000000117 |
| Book / Page | 0000001058 / 0000000117 |
| Instrument Date | Sep 29, 2017 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Title Company | NOT AVAILABLE, MICHAEL BREEN |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 202 LINDEN ST, ROCKVILLE CENTRE, NY 11570-2537 |
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 |
|---|---|---|---|
| 2025 | $3,940.00 (-36.88%) | $62,300 (+4.88%) Land $7,700 Building $54,600 | $161,818 (+8.97%) Land $20,000 Building $141,818 |
| 2024 | $6,242.00 (+109.82%) | $59,400 (-) Land $7,700 Building $51,700 | $148,500 (+6.88%) Land $19,250 Building $129,250 |
| 2023 | $59,400 Land $7,700 Building $51,700 | $138,947 Land $18,012 Building $120,935 | |
| 2020 | $2,975.00 |
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.
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 | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 50 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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