342 Bear Gulch Rd, Summit, NY 12175 Property Records

Schoharie County and Summit Town property record for 342 Bear Gulch Rd, Summit, NY 12175 · Last verified July 2026

Property Summary

Property Type	Seasonal / Vacation Home
Details	1 bd · 1 ba · 800 sqft · built 1950
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$23,000 (Mar 2001)
Tax Bill	$2,833 (2025)
Deeds & Mortgages	Jul 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`434800 100.4-4-6`

Property Details

APN / Parcel Number

Primary APN	`434800 100.4-4-6`
Alternative APNs	`480010000400040060000000` `545J100714`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	800 sqft Living Area
1st Floor Area	800 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cottage
Exterior Material	Wood
Lot Area	3,920 sqft (0.09 acres)
Lot Dimensions	40 ft deep x 115 ft wide
Porch	Porch
Porch Area	144 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	545J100714
Street Address	342 BEAR GULCH RD
City	SUMMIT
State	NY
Zip	12175-2707
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Block	4
Legal Lot Number	6.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	SUMMIT
Census Block Group	1
Census Block	1013
Census Tract	740500

Owner

Source: Schoharie County and Summit Town records · APN 434800 100.4-4-6

Assessment roll updated May 14, 2026 · Last verified July 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 File
Mailing Address	342 BEAR GULCH RD, SUMMIT, NY 12175-2707
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 19, 2001 · Amount on Record
Deed Sale	Mar 19, 2001 · Amount on Record
Deed Book / Page	691 / 121
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Jul 16, 2026
Property Address	342 BEAR GULCH RD, SUMMIT, NY 12175-2707
Document Number	0000832827
Book / Page	1259 / 194
Instrument Date	Feb 25, 2026
Instrument	2026832827
Transaction Type	Transfer
Record Updated	Jul 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000832828,
Date	Jul 16, 2026
Instrument	2026832828

Lender

Name	PREMIUM MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,833.00 (+29.12%)	$45,200 (+5.85%) Land $3,160 Building $42,040	$117,403 (+17.54%) Land $8,208 Building $109,195
2023		$42,700 Land $3,160 Building $39,540	$99,883 Land $7,392 Building $92,491
2020	$2,194.00

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Low above 6% of the US · above 9% of New York
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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 50 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
The Middleburgh Telephone Company	Fiber	500 / 100
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.