Oneida County and Rome City property record for 104 E Locust St, Rome, NY 13440
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,326 sqft · built 1923 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | Company Name on File |
| Last Sale | $25,000 (Mar 2015) |
| Tax Bill | $4,234 (2022) |
| Deeds & Mortgages | May 2026 Mortgage Nov 2022 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 301301 223.020-5-18 |
| Primary APN | 301301 223.020-5-18 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,326 sqft Living Area |
| 1st Floor Area | 702 sqft |
| 2nd Floor Area | 624 sqft |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,227 sqft (0.12 acres) |
| Lot Width | 42 ft Width |
| Garage Type | Detached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 254 sqft |
| Porch | Slab |
| Porch Area | 224 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 56775 07 |
|---|---|
| Street Address | 104 E LOCUST ST |
| City | ROME |
| State | NY |
| Zip | 13440-3518 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-5 |
| Legal Description | H&L&G 42X127 |
| Legal Block | 5 |
| Legal Lot Number | 18.000 |
| Jurisdiction | ONEIDA NY |
| Township / Civil Division | ROME |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 22200 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Rome Residential Historic District listed 2025 · 1,199 contributing resources · NRIS 100011346 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Oneida County and Rome City assessment roll, as of April 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 6364 GRANDVIEW AVE, ROME, NY 13440-7417 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| May 4, 2026 | Deed of Trust · Conventional Mortgage LEGIONS CAPITAL INC |
| Nov 22, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance BEDELL FAMILY LIMITED PARTNERSHIP |
| Nov 10, 2025 | Deed of Trust, Mortgage COMMUNITY BANK NA |
| Apr 13, 2018 | Loan Modification, Mortgage BEDELL FAMILY TRUST |
| Jul 25, 2017 | Deed of Trust, Mortgage · Line of Credit BEDELL FAMILY TRUST (PT) |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 23, 2015 · Amount on Record |
| Deed Sale | Mar 23, 2015 · Amount on Record |
| Deed Book / Page | 2015 / 3636 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Recording Date | May 4, 2026 |
| Property Address | 104 E LOCUST ST, ROME, NY 13440-3518 |
| Document Number | 0000005913 |
| Instrument Date | Apr 24, 2026 |
| Instrument | 20265913 |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000005913, |
|---|---|
| Date | May 4, 2026 |
| Instrument | 20265913 |
| Name | LEGIONS CAPITAL INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 104 E LOCUST ST, ROME, NY 13440-3518 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000018364 |
|---|---|
| Date | Nov 22, 2022 |
| Instrument | 2022-018364 |
| Name | BEDELL FAMILY LIMITED PARTNERSHIP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 104 E LOCUST ST, ROME, NY 13440-3518 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000014298 |
|---|---|
| Date | Nov 10, 2025 |
| Instrument | 2025-014298 |
| Name | COMMUNITY BANK NA |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ONEIDA NY |
| Recording Date | Apr 13, 2018 |
| Property Address | 104 E LOCUST ST, ROME, NY 13440-3518 |
| Instrument Date | Feb 26, 2018 |
| Instrument | 4974 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 123 MACARTHUR DR ROME NY 134403818, ROME, NY 13440-3818 |
| Document Number | 0000004974 |
|---|---|
| Date | Apr 13, 2018 |
| Instrument | 4974 |
| Name | BEDELL FAMILY TRUST |
|---|---|
| Address | PO BOX 503, WASHINGTON MILLS, NY 13479-0503 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 104 E LOCUST ST, ROME, NY 13440-3518 |
| Document Number | 0000010821 |
| Instrument Date | Jul 25, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2017 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6364 GRANDVIEW AVE ROME NY 134407417, ROME, NY 13440-7417 |
| Document Number | 0000010821 |
|---|---|
| Date | Jul 25, 2017 |
| Instrument | 10821 |
| Name | BEDELL FAMILY TRUST (PT) |
|---|---|
| Address | PO BOX 503, WASHINGTON MILLS, NY 13479-0503 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Oneida County and Rome City assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Oneida County |
| Municipality | Rome City |
| Unified School District | Rome City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $57,600 (-) Land $13,300 Building $44,300 | $135,529 (+6.78%) Land $31,294 Building $104,235 | |
| 2023 | $57,600 (-) Land $13,300 Building $44,300 | $126,928 (+17.92%) Land $29,308 Building $97,620 | |
| 2022 | $4,234.00 | $57,600 Land $13,300 Building $44,300 | $107,643 Land $24,855 Building $82,788 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 26, 2013 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 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.
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 | None beyond ember reach |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ROME CITY serves 31,795 people · EPA ID NY3202405 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| Lead | 5 ppb (2022–2024) action level 15 ppb |
| Water Quality | Treatment failure resolved · Jun 2026 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 614 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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