2980 State Rte 10, Summit, NY 12175 Property Records

Schoharie County and Summit Town property record for 2980 State Rte 10, Summit, NY 12175

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 832 sqft · built 1940
Lot Size	0.58 acres (25,265 sqft)
Owner	Individual Name on Record
Tax Bill	$3,930 (2025)
Deeds & Mortgages	Apr 2021 Refinance Apr 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`434800 112.1-2-5`

Property Details

APN / Parcel Number

Primary APN	`434800 112.1-2-5`
Alternative APNs	`480011200100020050000000` `545J100682`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	832 sqft Living Area
1st Floor Area	832 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	25,265 sqft (0.58 acres)
Lot Dimensions	138 ft deep x 275 ft wide
Garage Type	Detached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	545J100682
Street Address	2980 STATE ROUTE 10
City	SUMMIT
State	NY
Zip	12175
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Description	INCLUDES SHORELINE VALUE
Legal Block	2
Legal Lot Number	5.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	SUMMIT
Census Block Group	1
Census Block	1055
Census Tract	740500

Owner

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	2980 STATE ROUTE 10, SUMMIT, NY 12175
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROYAL UNITED MORTGAGE LLC
Apr 28, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 20, 2020
Transfer Doc	001135/292
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	2980 STATE ROUTE 10, SUMMIT, NY 12175
Transaction Type	Mortgage
Record Updated	Mar 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001931/119
Date	Apr 28, 2021
Book Page	1931/119
Instrument	787187

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	May 1, 2050

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Apr 28, 2021
Property Address	2980 STATE ROUTE 10, SUMMIT, NY 12175
Document Number	1135/292
Book / Page	1135 / 292
Instrument Date	Aug 20, 2020
Instrument	787184
Transaction Type	Transfer
Record Updated	May 18, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2980 STATE ROUTE 10, SUMMIT, NY 12175

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
2025	$3,930.00 (+53.64%)	$59,250 (-) Land $15,000 Building $44,250	$153,896 (+11.04%) Land $38,961 Building $114,935
2023		$59,250 Land $15,000 Building $44,250	$138,596 Land $35,088 Building $103,508
2020	$2,558.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 96% of the US · lower than 95% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 44 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

May also be available: Verizon.

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