Summit, NY 12175 · Schoharie County

This lakefront home on Summit Lake offers three bedrooms and two bathrooms across 1,385 square feet on a 2.37-acre parcel. Built in 1985, the residence features an open living and dining area, a loft primary suite, cathedral ceilings, and a deck facing the water. The property includes a full walkout basement, high-speed internet, electric heat with zone controls, a pellet stove, and leased solar panels. Summit Lake supports swimming, kayaking, fishing, and non-motorized boating, while nearby state lands and snowmobile trail access provide year-round outdoor options. The home is in the Cobleskill-Richmondville school district with no HOA fees.
Welcome to your lakeside dream home on beautiful Summit Lake! Offered for sale for the very first time, this custom-built waterfront home combines quality craftsmanship, comfort, and breathtaking lakefront living. Featuring 3 spacious bedrooms and 2 full bathrooms, this thoughtfully designed home offers an open-concept living, dining, and kitchen area that's perfect for everyday living and entertaining. The private loft serves as a relaxing primary suite, creating the perfect retreat with elevated views and added privacy. Step outside onto the expansive deck overlooking the water, where you'll enjoy morning coffee, summer barbecues, and unforgettable sunsets on the lake. Whether you're hosting family and friends or simply soaking in the peaceful surroundings, this home is designed to embrace the best of waterfront living. Summit Lake offers a serene and peaceful setting ideal for swimming, kayaking, fishing, and enjoying non-motorized boating, making it a true year-round recreational escape. In addition, the property is conveniently located close to local snowmobile trails, providing easy access to winter adventure right from your doorstep. You'll also find numerous nearby parcels of state land, offering excellent opportunities for hunting, hiking, and year-round outdoor recreation. Efficiency meets comfort with leased solar panels that help keep utility costs low, electric heat with individual thermostats in every room, and a cozy pellet stove for added warmth during the cooler months. Spectrum high-speed internet is already installed, making working remotely or streaming effortless. The full walkout basement provides endless possibilities for storage, a workshop, or future finished living space. This one-of-a-kind property is a rare opportunity to own a custom-built waterfront home that has been lovingly maintained by its original owners. Don't miss your chance to make this exceptional lakefront property your own to enjoy every season. CRCS School District.
The price signals we can read on this listing today. For a true sense of value against recent Summit sales, Sharon will pull the comparable closings and walk you through them.
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The price signals we can read on this listing today. For a true sense of value against recent Summit sales, Sharon will pull the comparable closings and walk you through them.
Curious whether this home is priced right for the neighborhood?
Ask Sharon for the compsTax estimated at the Schoharie County rate. Insurance and PMI are estimates. Sharon can connect you with a lender for real numbers.
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The district this address is assigned to. Ratings and reviews are hosted on GreatSchools.
Assigned districts can change and are not guaranteed. Confirm enrollment boundaries with the district directly before relying on them.
Summit is in Schoharie County, NY. There are currently 13 active listings here, ranging from $35,000 to $725,000. Listings in this address fall under the Cobleskill-Richmondville school district. Priced 118% above the Summit median of $229,000.
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Summit Properties · Listed by Crystal Kennedy (34442)
Contact: 518-231-1700
MLS #202623043 · Source: Global MLS, Inc.
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Real numbers from current MLS data. Not a third-party estimate.
Every change captured by Global MLS since this listing went live.
Public assessment record for the Summit roll · Cobleskill-Richmondville school district · One Family Year-Round Residence
| Year | Assessed value | Full market value | Change |
|---|---|---|---|
| 2025 | $69,000 | $179,221 | +8.5% |
| 2024 | $66,100 | $165,250 | +6.9% |
| 2023 | $66,100 | $154,620 | +9.9% |
| 2022 | $66,100 | $140,638 | +33.7% |
| 2021 | $61,000 | $105,172 |
Assessed and full market values come from the local assessor and lag the market; the tax bill is the assessed value times the town, county and school rates, which the seller’s disclosure will show. STAR and other exemptions are not reflected here.
Outside FEMA-mapped flood hazard areas
This point is not inside any Special Flood Hazard Area or moderate-risk zone on the current FEMA flood map. Flood insurance is optional here and usually inexpensive.
See the official FEMA flood map for this pointSource: FEMA National Flood Hazard Layer, checked 2026-09-12. Zones are drawn by FEMA and can change; an elevation certificate governs insurance.