104 W Cedar St, Rome, NY 13440 Property Records

Oneida County and Rome City property record for 104 W Cedar St, Rome, NY 13440 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,324 sqft · built 1977
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Company Names on File
Last Sale	$215,000 (Oct 2012)
Tax Bill	$7,001 (2022)
Deeds & Mortgages	May 2025 Refinance Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`301301 223.016-3-14`

Property Details

APN / Parcel Number

Primary APN	`301301 223.016-3-14`
Alternative APNs	`130122301600030140000000` `301301 223.016-0003-014` `43944 06`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,324 sqft Living Area
1st Floor Area	1,367 sqft
Upper Floors Area	957 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Cape Cod
Exterior Material	Wood
Lot Area	15,246 sqft (0.35 acres)
Lot Width	96 ft Width
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	182 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	43944 06
Street Address	104 W CEDAR ST
City	ROME
State	NY
Zip	13440-2734
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	H&L#6 96X160
Legal Block	3
Legal Lot Number	14.000
Jurisdiction	ONEIDA NY
Township / Civil Division	ROME
Census Block Group	1
Census Block	1001
Census Tract	22200

Owner

Source: Oneida County and Rome City records · APN 301301 223.016-3-14

Assessment roll updated April 28, 2026 · Last verified May 2026

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

Owner of Record	2 Company Names on File
Mailing Address	104 W CEDAR ST, ROME, NY 13440-2734
Owner Type	Company
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 05, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance GPO FCU
Oct 22, 2018	Warranty Deed, Transfer AMERICU CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 24, 2012 · Amount on Record
Deed Sale	Oct 24, 2012 · Amount on Record
Prior Sale	Oct 08, 2009 · Amount on Record
Deed Book / Page	2012 / 18151
Record Updated	Jun 08, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	104 W CEDAR ST, ROME, NY 13440-2734
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004933
Date	May 05, 2025
Instrument	2025-004933

Lender

Name	GPO FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2055

Interest

Rate Type	Adjustable Rate

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONEIDA NY
Recording Date	Oct 22, 2018
Property Address	104 W CEDAR ST, ROME, NY 13440-2734
Document Number	0000015264
Instrument Date	Oct 10, 2018
Instrument	15264
Transaction Type	Transfer
Record Updated	Dec 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	406 LYNWOOD ST ROME NY 134402120, ROME, NY 13440-2120

Mortgage

Document Number	15265
Date	Oct 22, 2018
Instrument	15265

Lender

Name	AMERICU CU
Type	Credit Union
Address	ROME, NY 13440

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2048

Tax Assessment & Valuation

Source: Oneida County and Rome City records · Assessment roll updated April 28, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	New York
County	Oneida County
Municipality	Rome City
Unified School District	Rome City School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$108,000 (-) Land $15,000 Building $93,000	$254,118 (+6.78%) Land $35,294 Building $218,824
2023		$108,000 (-) Land $15,000 Building $93,000	$237,990 (+17.92%) Land $33,054 Building $204,936
2022	$7,001.00	$108,000 Land $15,000 Building $93,000	$201,831 Land $28,032 Building $173,799

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Oneida County (36065C), updated September 26, 2013 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 410 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on W Cedar St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures