




528 Garden St, Little Falls, NY, 13365
About This Home
Introducing 528 Garden Street, an extraordinary residence offering over 4,000 square feet of timeless elegance and unmatched character. From the moment you step through the grand entryway, the home’s meticulously preserved original hardwood floors and craftsmanship showcase a level of quality rarely found today. This home features 6 spacious bedrooms, 2.5 bathrooms, along with 5 stately fireplaces thoughtfully placed throughout, creating warmth and sophistication in every corner. Inside, you’ll find a stunning library with built in shelving, an expansive great room ideal for entertaining, a formal dining room perfect for hosting gatherings, and a charming butler’s pantry that enhances both function and character. Enjoy 4 covered porches offering beautiful views and peaceful spaces to relax, while the backyard serves as a true private retreat featuring a tranquil koi pond, lush greenery, and vibrant flowers that create your own personal oasis. Rich in both beauty and significance, this historic home was originally constructed in 1825 by Colonel David Petrie, a decorated veteran of the War of 1812, prominent businessman, and one of the influential figures who helped shape and develop the City of Little Falls. Showcasing Colonial architecture with elegant Queen Anne and Federal influences, this iconic residence stands as one of the area’s most treasured homes. Recently reduced in price, with motivated sellers and a full home inspection completed with no issues found, this is a rare opportunity to own a true piece of Little Falls history.
Getting Around
Schools
Construction
Condition
- Property condition: Resale
- Year built: 1825
Materials
- Foundation: Block
- Roof: Shingle
- Construction materials: Brick,Frame,Stone,Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Historic/Antique,Other,Two Story,See Remarks
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Appliances Negotiable,Dishwasher,Gas Cooktop,Gas Water Heater
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Full
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Features
- Breakfast Bar,Separate/Formal Dining Room,Entrance Foyer,Separate/Formal Living Room,Library,Partially Furnished,Walk-In Pantry,Natural Woodwork
- Window features: Leaded Glass
- Flooring: Carpet,Hardwood,Laminate,Tile,Varies
- Number of fireplaces: 5
- Fireplace: Yes
Heating
- Heating features: Oil,Forced Air
Interior Area
- Total structure area: 4,260
- Total interior livable area: 4,260 sqft
Property
Details
- Parcel number: 21090011406800060150000000
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Patio & porch: Balcony,Covered,Open,Porch
- Exterior features: Blacktop Driveway,Balcony,Fence,Private Yard,See Remarks
- Fencing: Partial
Lot
- Lot size: 0.35 Acres
- Features: Corner Lot,Near Public Transit,Rectangular,Rectangular Lot
- Lot size dimensions: 124 x 122
Parking
- Parking features: No Garage
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
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Herkimer County and New York
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,123 | $25,476 |
| Home Insurance * | $256 | $3,072 |
| Property Taxes | $580 | $6,960 |
| Electricity | $704 | $8,448 |
| Total | $3,663 | $43,956 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-16 | Price change | $419,900 |
| 2026-02-26 | Listed for sale | $455,900 |
| 2025-11-13 | Listing removed | $495,000 |
| 2025-05-16 | Listed for sale | $495,000 |
| 2007-09-11 | Sold | $300,000 |
| 2002-11-01 | Sold | $119,000 |
