Lakefront cottage on gorgeous Bear Gulch Lake. 3 bedrooms, new bathroom with walk-in shower. Open floor plan, spacious living room with gas stove ensuring a cozy stay. Enjoy scenic mountain views sitting on the dock, large deck, or around the fire pit. Lake offers all motor water sports. Walking distance to State land and E-Z access to snowmobile trails. Well maintained home, being offered furnished. Dock, Excellent Condition
Single-familyProperty Type
1936Year Built
6,969 sq ftLot Size
$260Est. Price/Sq.Ft.
4 spacesParking
Listing by Matthew Loder• Country Boy Realty
•518-378-1235 (agent)
•MLoderCBR@gmail.com (agent)
Bought with Gary Morgan• Charlotteville Realty LLC
Claim this home to receive a free report every month with insights on the changing estimate.
Earn from this home
Refinance
$0
Est. cash available
Get cash now or lower your monthly rate
Rent
$2,029/mo
Redfin rental estimate
List your home for rent
Market trends in 12175, NY
Last updated October 2026
Buyer's Market
Seller's Market
Balanced market
Sale-to-list price
91.3%
+15.1% MoM
Median sale price
$377K
$164K MoM
Avg. days on market
124d
55 days MoM
Recently sold homes
2
0 MoM
Provided by Redfin
Sale history for 291 Bear Gulch Rd
Date
Event
Price
Global MLS #202119597
Jun 16, 2021
Sold
$175,000
$175/sq ft
Jun 3, 2021
Pending
—
May 27, 2021
Listed
$174,900
$175/sq ft
Global MLS #201623043
Oct 25, 2017
Sold
$137,500
$138/sq ft
Aug 7, 2017
Pending
—
Nov 14, 2016
Listed
$149,900
$150/sq ft
Adorable lakefront cottage on Bear Gulch Lake. Experience true lakefront living, entertaining, or just relaxing with decks, dock, and spacious backyard overlooking lake and mountains. 3 bedrooms, 1 bath, laundry, and large living room with great views. Lake allows motor boats. Very Good Condition
Global MLS #26108957
Jun 19, 2006
Sold
$147,000
$147/sq ft
May 9, 2006
Listing Removed
—
May 6, 2006
Listed
$159,900
$160/sq ft
Cute little three season Cabin on Bear Gulch Lake with 50 feet of frontage on the Lake and on the road. Well is shared with neighbor. Dock, decks, great backyard overlooking the lake. MUST SEE ! ! Very Good Condition
Public Records
Aug 31, 2004
Sold
$108,000
$108/sq ft
Year
Property tax
Land + Additions
Assessment*
2026
$4,523 (+9.6%)
$7,700 + $54,600
$62,300
2025
$4,126 (+4.7%)
$7,700 + $54,600
$62,300
2024
$3,940 (+2.2%)
$7,700 + $51,700
$59,400
2023
$3,856 (−1.7%)
$7,700 + $51,700
$59,400
2022
$3,921 (+34.1%)
$7,700 + $51,700
$59,400
2021
$2,924 (−1.5%)
$7,700 + $39,500
$47,200
2020
$2,967 (+0.3%)
$7,700 + $39,500
$47,200
2019
$2,958 (−1.0%)
$7,700 + $39,500
$47,200
2018
$2,987 (+7.1%)
$7,700 + $39,500
$47,200
2017
$2,788 (+1.4%)
$7,700 + $39,500
$47,200
2016
$2,749 (+0.1%)
$7,700 + $39,500
$47,200
2015
$2,746 (+2.8%)
$7,700 + $39,500
$47,200
2014
$2,671
$7,700 + $39,500
$47,200
Tax history for 291 Bear Gulch Rd
Year
Property tax
Land + Additions
Assessment*
2026
$4,523 (+9.6%)
$7,700 + $54,600
$62,300
2025
$4,126 (+4.7%)
$7,700 + $54,600
$62,300
2024
$3,940 (+2.2%)
$7,700 + $51,700
$59,400
2023
$3,856 (−1.7%)
$7,700 + $51,700
$59,400
2022
$3,921 (+34.1%)
$7,700 + $51,700
$59,400
2021
$2,924 (−1.5%)
$7,700 + $39,500
$47,200
2020
$2,967 (+0.3%)
$7,700 + $39,500
$47,200
2019
$2,958 (−1.0%)
$7,700 + $39,500
$47,200
2018
$2,987 (+7.1%)
$7,700 + $39,500
$47,200
2017
$2,788 (+1.4%)
$7,700 + $39,500
$47,200
2016
$2,749 (+0.1%)
$7,700 + $39,500
$47,200
2015
$2,746 (+2.8%)
$7,700 + $39,500
$47,200
2014
$2,671
$7,700 + $39,500
$47,200
*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.
Public record
Beds
3
Baths
2
Stories
1
Lot width
52 ft.
Lot depth
174 ft.
Lot size
7,841 Sq. Ft.
Year renovated
—
Sq. Ft.
756
Year built
1920
Style
Single Family Residential
County
Schoharie County
APN
434800A10000400030150000000
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Nov 2, 2026.
Property details
Parking
Parking Information
# of Parking Total: 4
Parking Features: Off Street
Interior
Bathroom Information
# of Bathrooms (Full): 1
# of Bathrooms (Total Integer): 1
Room 1 Information
Type: Living Room
Level: First
Room 2 Information
Type: Kitchen
Level: First
Room 3 Information
Type: Dining Room
Level: First
Room 4 Information
Type: Full Bathroom
Level: First
Room 5 Information
Type: Bedroom
Level: First
Room 6 Information
Type: 3 Seasons Room
Level: First
Basement Information
Basement: Crawl Space
Interior Features
# of Rooms Total: 6
Interior Features: High Speed Internet
Appliances: Electric Water Heater, Oven, Range, Refrigerator
Flooring: Wood, Carpet
Exterior
Exterior Features
Patio And Porch Features: Deck
Roof: Asphalt
Other Structures: Shed(s)
Property Information
Property Sub Type: Single Family Residence
Living Area: 1,000
Construction Materials: Wood Siding
Lot Information
Lot Size Acres: 0.16
Lot Size Square Feet: 6,969.6
Lot Size Dimensions: 0.16 Acres
Lot Features: Views, Landscaped
WaterfrontYN: Yes
Waterfront Features: Lake Front
Water Body Name: Bear Gulch Lake
Financial
Tax Information
Tax Annual Amount: $2,968
Tax Annual Amount: $2,968
Financial Details: General Taxes: $1,352
Financial Details: School Taxes: $1,616
Utilities
Heating & Cooling
Has Heating
Heating: Wood Stove
Utility Information
Sewer: Septic Tank
Water Source: Other, See Remarks
Location
School Information
School District: Cobleskill-Richmondville
Location Information
Directions: From Cobleskill, Rte 7 West to Rte 10 South, to Charlotte Valley Road in Summit, to Right on Bear Gulch Road, property on left.
Public facts
Beds: 3
Baths: 2.0
Sq. Ft.: 756
Stories: 1.0
Lot Size: 7,841 square feet
Style: Single Family Residential
Year Built: 1920
Year Renovated: —
County: Schoharie County
APN: 434800A10000400030150000000
Home facts updated by county records on Nov 2, 2026
Around this home
Schools
K - 12
Preschool & daycare
Joseph B Radez Elementary School
Public 3-5 • Assigned • 3.4mi
4/10
William H Golding Middle School
Public 6-9 • Assigned • 7.8mi
4/10
Cobleskill Richmondville High School
Public 9-12 • Assigned • 5.3mi
5/10
Provided by GreatSchools
Lifestyle
Provided by Walk Score and Local Logic
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
1/10 Fire Factor
Unlikely to be in a wildfire in next 30 years
1/10 Heat Factor
6 days above 87° expected this year, 14 days in 30 years
2/10 Wind Factor
2% chance of strong winds in next 30 years
1/10 Air Factor
0 unhealthy days expected this year, 0 days in 30 years
Provided by First Street
Historical weather
Summit, NY • 12175
Average low and high temperatures (°F)
25
13
29
14
47
27
56
35
62
45
74
55
78
60
74
53
71
49
57
39
44
30
31
17
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
In this area, properties receive around 8.4 hours in
June and 3 hours in December, placing it below the
U.S. average for solar exposure.
8.4 hrs
3 hrs
JuneDecember
Provided by Shadowmap
Estimated sale price
$247,000 – $299,000
Sell confidently with a local market expert in Summit. 3 minutes to get started.