7173 Craig Rd, Bath, NY 14810 Property Records

Steuben County and Howard Town property record for 7173 Craig Rd, Bath, NY 14810

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 2,184 sqft · built 1890
Lot Size	23 acres (1,001,880 sqft)
Owner	2 Individual Names on Record
Last Sale	$85,000 (Sep 2001)
Tax Bill	$3,354 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Sep 2022 Refinance
APN	`0003109-400`

Property Details

APN / Parcel Number

Primary APN	`0003109-400`
Alternative APNs	`465400 140.00-01-058.300` `54001400000001058300`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,184 sqft Living Area
1st Floor Area	1,560 sqft
Upper Floors Area	624 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	1,001,880 sqft (23 acres)
Garage Type	Attached
Garage Area	1,316 sqft
Parking Spaces	5 Parking Spaces
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0003109-400
Street Address	7173 CRAIG RD
City	BATH
State	NY
Zip	14810-7536
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	01 - NOT Z
Legal Description	1-210 23.0 ACRES (C) ASSESSED
Legal Block	1
Legal Lot Number	58.300
Jurisdiction	STEUBEN NY
Township / Civil Division	HOWARD
Census Block Group	2
Census Block	2055
Census Tract	961000

Owner

Source: Steuben County and Howard 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	2 Individual Names on Record
Mailing Address	7173 CRAIG RD, BATH, NY 14810-7536
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2026	Deed of Trust, Mortgage DES MOINES METRO CREDIT UNION
Sep 20, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance DES MOINES METRO CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2001 · Amount on Record
Deed Sale	Sep 14, 2001 · Amount on Record
Prior Sale	Mar 3, 1999 · Amount on Record
Deed Book / Page	1737 / 9
Prior Transfer Date	Mar 12, 2001
Prior Transfer Doc	1708000033
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEUBEN NY
Recording Date	Aug 24, 2026
Property Address	7173 CRAIG RD, BATH, NY 14810-7536
Document Number	5316000083
Book / Page	5316 / 83
Instrument Date	Aug 10, 2026
Transaction Type	Mortgage
Record Updated	Sep 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7173 CRAIG RD, BATH, NY 14810-7536

Mortgage

Document Number	5316000083,
Date	Aug 24, 2026
Book Page	5316/83

Lender

Name	DES MOINES METRO CREDIT UNION

Agreement

Amount	Amount Recorded
Term	205 Months
Due	Sep 1, 2043

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEUBEN NY
Property Address	7173 CRAIG RD, BATH, NY 14810-7536
Transaction Type	Mortgage
Record Updated	Oct 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004902/124
Date	Sep 20, 2022
Book Page	4902/124

Lender

Name	DES MOINES METRO CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2032

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,354.00 (+2.44%) Homeowner's exemption
2025	$3,274.00 (+17.39%)	$135,000 (-) Land $48,200 Building $86,800	$168,750 (+18.75%) Land $60,250 Building $108,500
2023		$135,000 (-) Land $48,200 Building $86,800	$142,105 (+5.26%) Land $50,737 Building $91,368
2022		$135,000 Land $48,200 Building $86,800	$135,000 Land $48,200 Building $86,800
2021	$2,789.00

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	1 in force

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

Provider	Max Down / Up (Mbps)
Empire Long Distance Fiber	1,000 / 100

May also be available: Spectrum.

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