Schoharie County and Summit Town property record for 315 Bear Gulch Rd, Summit, NY 12175
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 2 bd · 1 ba · 520 sqft · built 1930 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $115,000 (Oct 2019) |
| Tax Bill | $3,444 (2026) |
| Deeds & Mortgages | Oct 2019 Sale & Mortgage May 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 434800 100.4-3-6 |
| Primary APN | 434800 100.4-3-6 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 520 sqft Living Area |
| 1st Floor Area | 520 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Cottage |
| Exterior Material | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 10,454 sqft (0.24 acres) |
| Lot Dimensions | 140 ft deep x 75 ft wide |
| View / Lot | Waterfront |
| Porch | Slab |
| Porch Area | 208 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Wood |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 545J100730 |
|---|---|
| Street Address | 315 BEAR GULCH RD |
| City | SUMMIT |
| State | NY |
| Zip | 12175 |
| 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 | 6.000 |
| 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 October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 24 CLINTON AVE, TROY, NY 12180-6808 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 10, 2019 | Warranty Deed, Transfer · Stand-Alone First Mortgage HOMESTEAD FUNDING CORP |
| May 22, 2019 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 10, 2019 · Amount on Record |
| Deed Sale | Oct 10, 2019 · Amount on Record |
| Deed Document Number | 2019768017 |
| Deed Book / Page | 1100 / 237 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Oct 10, 2019 |
| Property Address | 315 BEAR GULCH RD, SUMMIT, NY 12175 |
| Document Number | 001100/237 |
| Book / Page | 1100 / 237 |
| Instrument Date | Sep 19, 2019 |
| Instrument | 768017 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 24 CLINTON AVE, TROY, NY 12180-6808 |
| Document Number | 00001854/1 |
|---|---|
| Date | Oct 10, 2019 |
| Book Page | 1854/1 |
| Instrument | 768021 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | May 22, 2019 |
| Property Address | 315 BEAR GULCH RD, SUMMIT, NY 12175 |
| Document Number | 001092/198 |
| Book / Page | 1092 / 198 |
| Instrument Date | May 16, 2019 |
| Instrument | 762519 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 148 JERSEY LN, COBLESKILL, NY 12043-7614 |
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 | $3,444.00 (-0.17%) | ||
| 2025 | $3,450.00 (+19.79%) | $52,000 (-) Land $9,800 Building $42,200 | $135,065 (+11.04%) Land $25,455 Building $109,610 |
| 2023 | $52,000 Land $9,800 Building $42,200 | $121,637 Land $22,924 Building $98,713 | |
| 2020 | $2,880.00 |
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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