962 Wharton Hollow Rd, Summit, NY 12175 Property Records

Schoharie County and Summit Town property record for 962 Wharton Hollow Rd, Summit, NY 12175

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 876 sqft · built 1960
Lot Size	23.3 acres (1,014,948 sqft)
Owner	2 Individual Names on File
Last Sale	$122,340 (Jan 2021)
Tax Bill	$5,635 (2026)
Deeds & Mortgages	Jul 2023 Line of Credit Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`434800 124.-2-10`

Property Details

APN / Parcel Number

Primary APN	`434800 124.-2-10`
Alternative APNs	`480012400000020100000000` `545J100010`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	876 sqft Living Area
1st Floor Area	876 sqft
Basement Area	800 sqft
Finished Basement	800 sqft
Unfinished Basement	552 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Cottage
Exterior Material	Wood
Lot Area	1,014,948 sqft (23.3 acres)
Lot Width	1,500 ft Width
Garage Type	Mixed
Garage Area	1,200 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	138 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	545J100010
Street Address	962 WHARTON HOLLOW RD
City	SUMMIT
State	NY
Zip	12175-2102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Block	2
Legal Lot Number	10.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	SUMMIT
Census Block Group	1
Census Block	1047
Census Tract	740500

Owner

962 Wharton Hollow Rd is owned and occupied by two individuals who bought it in January 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	962 WHARTON HOLLOW RD, SUMMIT, NY 12175-2102
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
Jul 25, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF RICHMONDVILLE
Jan 15, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage LAND-HOME FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2021 · Amount on File
Deed Sale	Jan 15, 2021 · Amount on File
Prior Sale	Jul 27, 2004 · Amount on File
Deed Document Number	2021783762
Deed Book / Page	1129 / 214
Prior Transfer Date	Aug 3, 2009
Prior Transfer Doc	0000000887/000000006
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	962 WHARTON HOLLOW RD, SUMMIT, NY 12175-2102
Transaction Type	Mortgage
Record Updated	Aug 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002046/128
Date	Jul 25, 2023
Book Page	2046/128
Instrument	822047

Lender

Name	BANK OF RICHMONDVILLE

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHOHARIE NY
Recording Date	Jan 15, 2021
Property Address	962 WHARTON HOLLOW RD, SUMMIT, NY 12175-2102
Document Number	001129/214
Book / Page	1129 / 214
Instrument Date	Jan 4, 2021
Instrument	783762
Transaction Type	Transfer
Record Updated	Mar 21, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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
Address	11397 ARGENTINE CT, BOKEELIA, FL 33922-3012
Investor	Possibly a Property Investor

Mortgage

Document Number	0000783763
Date	Jan 15, 2021
Instrument	783763

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 962 Wharton Hollow Rd was $5,635 with exemptions applied, up 0.1% 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	$5,635.00 (+0.09%) Disabled Person's exemption Veteran's exemption
2025	$5,630.00	$92,300 Land $28,270 Building $64,030	$239,740 Land $73,428 Building $166,312
2023		$82,500 Land $28,270 Building $54,230	$192,982 Land $66,128 Building $126,854
2020	$4,098.00

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

Flood

FEMA maps place 962 Wharton Hollow 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 962 Wharton Hollow 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
MIDTEL Fiber	500 / 100

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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