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528 Garden St, Little Falls, NY, 13365

6beds
3baths
4,260sqft
$419,900
$99price/sqft
$3,663/moest. monthly cost
$146,520/yrincome needed

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

76
WalkingVery Walkable
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

5/10
Benton Hall AcademyGrades PK-50.4 mi
5/10
6/10
Little Falls High SchoolGrades 9-121.1 mi

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
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather

FEMA Declared Disasters in Herkimer 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 $2,123$25,476
Home Insurance *$256$3,072
Property Taxes $580$6,960
Electricity $704$8,448
Total$3,663$43,956
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$125,588/yr
40% on housing$109,890/yr
45% on housing$97,680/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: 5.2%
5.2%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.7%
-1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$99This listing

vs Other Active Listings

Avg $/sqft

ZIP 13365$103
Herkimer County$194

vs Homes Sold Last Month

Median $/sqft

ZIP 13365$104
Herkimer County$130

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

DateEventPrice
2026-04-16Price change$419,900
2026-02-26Listed for sale$455,900
2025-11-13Listing removed$495,000
2025-05-16Listed for sale$495,000
2007-09-11Sold$300,000
2002-11-01Sold$119,000

For Sale by Agent

AgentBrandon Mosher
BrokerageRiver Hills Properties LLC Lf

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