354 Bear Gulch Rd, Summit, NY 12175 Property Records

Schoharie County and Summit Town property record for 354 Bear Gulch Rd, Summit, NY 12175

Property Summary

Property Type	Rural Home
Details	2 bd · 1 ba · 736 sqft · built 1939
Lot Size	11.7 acres (511,394 sqft)
Owner	Individual Name on File
Last Sale	$52,500 (Nov 2020)
Tax Bill	$1,616 (2026)
Deeds & Mortgages	Apr 2022 Sale Nov 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`434800 100.4-3-1`

Property Details

APN / Parcel Number

Primary APN	`434800 100.4-3-1`
Alternative APNs	`480010000400030010000000` `545J100271`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	736 sqft Living Area
1st Floor Area	736 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Architectural Style	Cottage
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Lot Area	511,394 sqft (11.7 acres)
Lot Width	141 ft Width
Porch	Porch
Porch Area	230 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	545J100271
Street Address	354 BEAR GULCH RD
City	SUMMIT
State	NY
Zip	12175-2707
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	01 - NOT Z
Legal Description	RES 100% D.R.
Legal Block	3
Legal Lot Number	1.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	SUMMIT
Census Block Group	1
Census Block	1013
Census Tract	740500

Owner

354 Bear Gulch Rd, a rural home, is owned by an individual who acquired it in April 2022.

Source: Schoharie County and Summit Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	1020 CLERMONT ST, NEW SMYRNA BEACH, FL 32168-6238
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2022	Deed, Transfer
Nov 24, 2020	Warranty Deed, Transfer
Feb 1, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 24, 2020 · Amount on File
Deed Sale	Nov 24, 2020 · Amount on File
Deed Document Number	2020782282
Deed Book / Page	1125 / 132
Last Transfer Date	Apr 18, 2022
Transfer Doc	001162/143
Record Updated	Oct 29, 2026

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Apr 22, 2022
Property Address	354 BEAR GULCH RD, SUMMIT, NY 12175-2707
Document Number	001162/143
Book / Page	1162 / 143
Instrument Date	Apr 18, 2022
Instrument	809327
Transaction Type	Transfer
Record Updated	Mar 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 CLERMONT ST, NEW SMYRNA BEACH, FL 32168-6238

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Nov 24, 2020
Property Address	354 BEAR GULCH RD, SUMMIT, NY 12175-2707
Document Number	001125/132
Book / Page	1125 / 132
Instrument Date	Nov 13, 2020
Instrument	782282
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	7 CEDAR ST, PORT ORANGE, FL 32127-6416

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Feb 1, 2018
Property Address	354 BEAR GULCH RD, SUMMIT, NY 12175-2707
Document Number	001063/148
Book / Page	1063 / 148
Instrument Date	Jan 26, 2018
Instrument	000000732415
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 324, JEFFERSON, NY 12093-0324

Tax Assessment & Valuation

The 2026 property tax bill for 354 Bear Gulch Rd was $1,616, down 0.2% from the year before.

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
2026	$1,616.00 (-0.19%)
2025	$1,619.00	$24,400 Land $19,400 Building $5,000	$63,377 Land $50,390 Building $12,987
2023		$24,400 Land $19,400 Building $5,000	$57,076 Land $45,380 Building $11,696
2020	$2,439.00

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.

Flood

FEMA maps place 354 Bear Gulch Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 354 Bear Gulch Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 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

Cell Coverage

5G and 4G LTE (outdoors only)

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