6445 Gardner Rd, Bath, NY 14810 Property Records

Steuben County and Wheeler Town property record for 6445 Gardner Rd, Bath, NY 14810

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,778 sqft · built 1875
Lot Size	2.5 acres (108,900 sqft)
Owner	Individual Name on Record
Tax Bill	$2,593 (2026)
Deeds & Mortgages	Dec 2022 Refinance Jan 2020 Refinance
APN	`0003713-000`

Property Details

APN / Parcel Number

Primary APN	`0003713-000`
Alternative APNs	`468000 101.08-01-014.000` `80001010080001014000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,778 sqft Living Area
1st Floor Area	952 sqft
2nd Floor Area	826 sqft

Exterior

Year Built	Built 1875
Effective Year Built	Effective 1950
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	108,900 sqft (2.5 acres)
Lot Dimensions	239 ft deep x 99 ft wide
Porch	Slab
Porch Area	545 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0003713-000
Street Address	6445 GARDNER RD
City	BATH
State	NY
Zip	14810-8021
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KUHLMAN, KULHMAN HWY,VERITY .50
Legal Block	1
Legal Lot Number	14.000
Jurisdiction	STEUBEN NY
Township / Civil Division	WHEELER
Census Block Group	2
Census Block	2045
Census Tract	960200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	6445 GARDNER RD, BATH, NY 14810-8021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance DES MOINES METRO CU
Jan 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance DES MOINES METRO CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 22, 2010
Transfer Doc	0000002303/000000025
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEUBEN NY
Property Address	6445 GARDNER RD, BATH, NY 14810-8021
Transaction Type	Mortgage
Record Updated	Dec 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004929/73
Date	Dec 5, 2022
Book Page	4929/73

Lender

Name	DES MOINES METRO CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Jan 1, 2033

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEUBEN NY
Property Address	6445 GARDNER RD, BATH, NY 14810-8021
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4492/239
Date	Jan 17, 2020
Book Page	4492/239

Lender

Name	DES MOINES METRO CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Steuben County
County Subdivision	Wheeler Town
Unified School District	Prattsburgh Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,593.00 (-5.19%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption
2025	$2,735.00 (+23.36%)	$135,700 (+44.36%) Land $21,300 Building $114,400	$145,914 (+33.5%) Land $22,903 Building $123,011
2023		$94,000 (-) Land $17,800 Building $76,200	$109,302 (+4.65%) Land $20,698 Building $88,604
2022		$94,000 Land $17,800 Building $76,200	$104,444 Land $19,778 Building $84,666
2021	$2,217.00

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

Flood

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

FEMA Flood Zone	Not on file
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Aug 2024 · Severe Storm And Flooding

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

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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE only, no 5G reported

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