Schoharie County and Summit Town property record for 421 Spruce Lake Rd, Summit, NY 12175
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 7.52 acres (327,571 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,053 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 434800 111.-2-1.16 |
| Primary APN | 434800 111.-2-1.16 |
|---|---|
| Alternative APNs |
|
| Lot Area | 327,571 sqft (7.52 acres) |
|---|---|
| Lot Width | 271 ft Width |
| View / Lot | Waterfront |
| Account Number | 545J204010 |
|---|---|
| Street Address | 421 SPRUCE LAKE RD |
| City | SUMMIT |
| State | NY |
| Zip | 12175-7707 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | 01 - NOT Z |
| Legal Block | 2 |
| Legal Lot Number | 1.016 |
| Jurisdiction | SCHOHARIE NY |
| Township / Civil Division | SUMMIT |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 740500 |
421 Spruce Lake Rd, residential vacant land, is owned by two individuals who acquired it in December 2005.
Source: Schoharie County and Summit Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 46 NILL ST, WEST BABYLON, NY 11704-7807 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Dec 19, 2005 |
| Transfer Doc | 0000000802/000000032 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 421 Spruce Lake Rd was $1,053, down 0.2% from the year before.
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 | $1,053.00 (-0.19%) | ||
| 2025 | $1,055.00 | $15,900 Land $15,900 | $41,299 Land $41,299 |
| 2023 | $15,900 Land $15,900 | $37,193 Land $37,193 | |
| 2020 | $1,002.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 421 Spruce Lake 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 risk around 421 Spruce Lake 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.
Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| MIDTEL Fiber | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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