401 Eminence Rd, Summit, NY 12175 Property Records

Schoharie County and Summit Town property record for 401 Eminence Rd, Summit, NY 12175

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,144 sqft · built 1986
Lot Size	8.39 acres (365,468 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (Jul 1997)
Tax Bill	$5,723 (2026)
Deeds & Mortgages	Mar 2024 Refinance Mar 2024 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`434800 135.-5-5`

Property Details

APN / Parcel Number

Primary APN	`434800 135.-5-5`
Alternative APNs	`480013500000050050000000` `545J187012`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,144 sqft Living Area
1st Floor Area	1,144 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	365,468 sqft (8.39 acres)
Lot Width	454 ft Width
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	160 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	545J187012
Street Address	401 EMINENCE RD
City	SUMMIT
State	NY
Zip	12175-1710
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Block	5
Legal Lot Number	5.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	SUMMIT
Census Block Group	1
Census Block	1065
Census Tract	740500

Owner

401 Eminence Rd is owned and occupied by an individual who acquired it in March 2024.

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

Owner of Record	Individual Name on File
Mailing Address	401 EMINENCE RD, SUMMIT, NY 12175-1710
Occupancy	Owner Occupied
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
Mar 12, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY BANK NA
Mar 12, 2024	Quit Claim Deed, Transfer Quitclaim
Mar 22, 2022	Executor's Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 1997 · Amount on File
Deed Sale	Jul 2, 1997 · Amount on File
Deed Book / Page	617 / 220
Last Transfer Date	Mar 5, 2024
Transfer Doc	0001208/22
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	401 EMINENCE RD, SUMMIT, NY 12175-1710
Transaction Type	Mortgage
Record Updated	Apr 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00002070/1
Date	Mar 12, 2024
Book Page	2070/1
Instrument	824566

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

March 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Mar 12, 2024
Property Address	401 EMINENCE RD, SUMMIT, NY 12175-1710
Document Number	0001208/22
Book / Page	1208 / 22
Instrument Date	Feb 15, 2024
Instrument	824565
Transaction Type	Transfer
Record Updated	Apr 2, 2024

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	401 EMINENCE RD, SUMMIT, NY 12175-1710

March 2022: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Mar 22, 2022
Property Address	401 EMINENCE RD, SUMMIT, NY 12175-1710
Document Number	00001160/1
Book / Page	1160 / 1
Instrument Date	Mar 15, 2022
Instrument	807904
Transaction Type	Transfer
Record Updated	Mar 21, 2023

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
Relationship	Tenants in Common
Address	45 ROCKY WAY, FORT ANN, NY 12827-1800

Tax Assessment & Valuation

The 2026 property tax bill for 401 Eminence Rd was $5,723, 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	$5,723.00 (-0.16%)
2025	$5,732.00	$86,400 Land $16,600 Building $69,800	$224,416 Land $43,117 Building $181,299
2023		$86,400 Land $16,600 Building $69,800	$202,105 Land $38,830 Building $163,275
2020	$4,860.00

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

Flood

FEMA maps place 401 Eminence 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 401 Eminence 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
MIDTEL Fiber	500 / 100

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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