48 Charles St, Bath, NY 14810 Property Records

Steuben County and Bath Town property record for 48 Charles St, Bath, NY 14810

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,934 sqft · built 1993
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on File
Last Sale	$109,500 (Jan 2000)
Tax Bill	$7,800 (2026)
Deeds & Mortgages	Nov 2018 Mortgage
APN	`0011612-200`

Property Details

APN / Parcel Number

Primary APN	`0011612-200`
Alternative APNs	`462401 158.08-01-005.200` `24011580080001005200`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,934 sqft Living Area
1st Floor Area	1,934 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	20,909 sqft (0.48 acres)
Lot Dimensions	212 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	1,046 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0011612-200
Street Address	48 CHARLES ST
City	BATH
State	NY
Zip	14810-1105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Description	LOT 2 100X212.74 FT ASSESSED
Legal Block	1
Legal Lot Number	5.200
Jurisdiction	STEUBEN NY
Township / Civil Division	BATH
Census Block Group	1
Census Block	1050
Census Tract	961100

Owner

48 Charles St is owned and occupied by two individuals who bought it in January 2000.

Source: Steuben County and Bath Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	48 CHARLES ST, BATH, NY 14810-1105
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 19, 2000 · Amount on File
Deed Sale	Jan 19, 2000 · Amount on File
Deed Book / Page	1645 / 345
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEUBEN NY
Property Address	48 CHARLES ST, BATH, NY 14810-1105
Transaction Type	Mortgage
Record Updated	Jan 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004359/0000000137
Date	Nov 28, 2018
Book Page	0000004359/0000000137

Lender

Name	CHEMUNG CANAL TRUST CO
Type	Funding / Finance Company

Agreement

Amount	Amount on Record
Term	170 Months
Due	Jan 1, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 48 Charles St was $7,800, up 2.6% from the year before.

Source: Steuben County and Bath Town assessment roll, as of April 21, 2026

Property Jurisdictions

Type	Name
State	New York
Municipality	Bath Village
County	Steuben County
County Subdivision	Bath Town
Unified School District	Bath Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,800.00 (+2.6%)
2025	$7,602.00	$216,000 Land $16,900 Building $199,100	$227,368 Land $17,789 Building $209,579
2023		$216,000 (+2%) Land $16,900 Building $199,100	$216,000 (+8%) Land $16,900 Building $199,100
2022		$180,000 Land $19,800 Building $160,200	$200,000 Land $22,000 Building $178,000
2021	$6,707.00

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

Flood

FEMA has no flood map on file for 48 Charles St; there have been 12 flood claims nearby since 1993.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	12 (1993–2021)
Most Recent Claim	Nov 2021 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jan 1996 · 8 claims

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 48 Charles St 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BATH VILLAGE CONSOLIDATED SAMPLING AREA serves 5,400 people · EPA ID NY5001206
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	28 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Empire Long Distance Fiber	1,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20