Schoharie County and Summit Town property record for 417 Spruce Lake Rd, Summit, NY 12175
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,540 sqft · built 2021 |
| Lot Size | 7.54 acres (328,442 sqft) |
| Owner | Company Name on Record |
| Last Sale | $91,000 (Jun 2020) |
| Tax Bill | $7,630 (2026) |
| Deeds & Mortgages | Jun 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 434800 111.-2-1.14 |
| Primary APN | 434800 111.-2-1.14 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,540 sqft Living Area |
| 1st Floor Area | 1,240 sqft |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 328,442 sqft (7.54 acres) |
| Lot Width | 271 ft Width |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 144 sqft |
| Porch | Slab |
| Heating System | Hot Water |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Account Number | 545J204008 |
|---|---|
| Street Address | 417 SPRUCE LAKE RD |
| City | SUMMIT |
| State | NY |
| Zip | 12175 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01 - NOT Z |
| Legal Block | 2 |
| Legal Lot Number | 1.014 |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 125 DONATS BROW, COBLESKILL, NY 12043-5606 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 19, 2020 · Amount on Record |
| Deed Sale | Jun 19, 2020 · Amount on Record |
| Deed Document Number | 2020776124 |
| Deed Book / Page | 1114 / 74 |
| Prior Transfer Date | Nov 10, 2015 |
| Prior Transfer Doc | 0000001013/000000017 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHOHARIE NY |
| Recording Date | Jun 19, 2020 |
| Property Address | 417 SPRUCE LAKE RD, SUMMIT, NY 12175 |
| Document Number | 0001114/74 |
| Book / Page | 1114 / 74 |
| Instrument Date | Jun 17, 2020 |
| Instrument | 776124 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 126 DONATS BROW, COBLESKILL, NY 12043-5620 |
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 | $7,630.00 (-0.16%) | ||
| 2025 | $7,642.00 (+662.67%) | $115,200 (-) Land $27,200 Building $88,000 | $299,221 (+11.04%) Land $70,649 Building $228,572 |
| 2023 | $115,200 Land $27,200 Building $88,000 | $269,474 Land $63,626 Building $205,848 | |
| 2020 | $1,002.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 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.
Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
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