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2986 State Rte 10, Summit, NY 12175 Property Records

Schoharie County and Summit Town property record for 2986 State Rte 10, Summit, NY 12175 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 875 sqft · built 1940
Lot Size0.3 acres (13,068 sqft)
Owner2 Trust Names on File
Last Sale$70,000 (Dec 2001)
Tax Bill$4,796 (2025)
Deeds & MortgagesSep 2025 Sale & Refinance
Flood ZoneZone X (minimal risk)
APN434800 112.1-2-6

Property Details

APN / Parcel Number

Primary APN434800 112.1-2-6
Alternative APNs
  • 480011200100020060000000
  • 545J174064

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area875 sqft Living Area
1st Floor Area875 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1940
Effective Year BuiltEffective 1940
Architectural StyleCottage
Exterior MaterialWood
Lot Area13,068 sqft (0.3 acres)
Lot Dimensions173 ft deep x 75 ft wide
PorchSlab
Porch Area336 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
SewerSeptic
Water SourceWell

Location & Zoning

Account Number545J174064
Street Address2986 STATE ROUTE 10
CitySUMMIT
StateNY
Zip12175
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionINCLUDES SHORELINE VALUE
Legal Block2
Legal Lot Number6.000
JurisdictionSCHOHARIE NY
Township / Civil DivisionSUMMIT
Census Block Group1
Census Block1055
Census Tract740500

Owner

Source: Schoharie County and Summit Town records · APN 434800 112.1-2-6

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 Record2 Trust Names on File
Mailing Address12 SUNNY DALE LN, WALLINGFORD, CT 06492-4920
Owner TypeIndividual
VestingTrust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 04, 2001 · Amount on Record
Deed SaleDec 04, 2001 · Amount on Record
Deed Book / Page706 / 278
Record UpdatedJun 08, 2026

September 2025: Deed, Transfer

Document TypeDeed
JurisdictionSCHOHARIE NY
Recording DateSep 19, 2025
Property Address2986 STATE ROUTE 10, SUMMIT, NY 12175
Document Number001242/170
Book / Page1242 / 170
Instrument DateAug 27, 2025
Instrument829901
Transaction TypeTransfer
Record UpdatedApr 16, 2026

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety

Mortgage

Document Number002128/193
DateSep 19, 2025
Book Page2128/193
Instrument829902
Lender
NameJOHN F ELWOOD III
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded

Tax Assessment & Valuation

Source: Schoharie County and Summit Town records · Assessment roll updated May 14, 2026 · Last verified May 2026

Property Jurisdictions

TypeName
StateNew York
CountySchoharie County
County SubdivisionSummit Town
Unified School DistrictCobleskill-Richmondville Central School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$4,796.00 (+0.57%)$77,400 (+7.05%) Land $11,000 Building $66,400$201,039 (+11.22%) Land $28,571 Building $172,468
2024$4,769.00 (+25.57%)$72,300 (-) Land $11,000 Building $61,300$180,750 (+6.87%) Land $27,500 Building $153,250
2023$72,300 Land $11,000 Building $61,300$169,123 Land $25,731 Building $143,392
2020$3,798.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schoharie County (36095C), updated February 16, 2012 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360957405001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies2 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 44 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
The Middleburgh Telephone CompanyFiber500 / 100

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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