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109 Rossman Hill Road, Summit, NY, 12175

0beds
0baths
1,512sqft
$42,000
$28price/sqft
$540/moest. monthly cost
$21,600/yrincome needed

About This Home

Attention all contractors, investors, and visionary buyers! This property and its 1.7 acres of land offer a unique opportunity to create your own private retreat. Located along the scenic county road. It's walking distance of Burnt-Rossman Hills State Park and only 3.5 miles from Looking Glass Pond. Snowmobile trails are close by for recreation. A new electric panel already on site. Structure is unsafe to enter-no interior access permitted. Septic status unknown, if any. Drilled well and dug well in the woods, condition unknown. Buyers must be accompanied by agents. Cash only. Hold harmless required to view property.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1860

Materials

  • Foundation: Stone
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Old Style
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: None

Basement

  • Has basement: Yes
  • Basement: Other

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,512

Heating & Cooling

  • Heating features: None
  • Cooling features: None

Interior Area

  • Total structure area: 1,512
  • Total interior livable area: 1,512 sqft

Other

  • Level: First

Other

  • Level: First

Other

  • Level: First

Other

  • Level: Second

Other

  • Level: Second

Property

Details

  • Parcel number: 434800 13666
  • Special condition: Standard

Features

  • Exterior features: None
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Lot size: 1.70 Acres
  • Features: Level,Road Frontage,Wooded

Parking

  • Total spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather

FEMA Declared Disasters in Schoharie County and New York

Flood
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $212$2,544
Home Insurance *$14$168
Property Taxes $65$780
Electricity $249$2,998
Total$540$6,480
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$18,514/yr
40% on housing$16,200/yr
45% on housing$14,400/yr

New York FAIR Plan Programs

New York Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 20,669Commercial: 1,556
Total Premiums$32.27M
Total Exposure$7.63B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 2.5%
2.5%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -4.5%
-4.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$28This listing

vs Other Active Listings

Avg $/sqft

ZIP 12175$206
Schoharie County$190

vs Homes Sold Last Month

Median $/sqft

ZIP 12175$213
Schoharie County$160

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2025-12-03Listed for sale$42,000
2023-11-13Listing removed--
2022-12-30Price change$54,900
2022-11-15Listed for sale$64,900
2022-10-08Listing removed--
2022-07-10Price change$65,000
2022-05-16Listed for sale$45,000

For Sale by Agent

AgentChristy L Gillespie-Quinn
BrokerageCountry Boy Realty

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