113 N Jay St, Rome, NY 13440 Property Records

Oneida County and Rome City property record for 113 N Jay St, Rome, NY 13440

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,314 sqft · built 1892
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$35,000 (Feb 2019)
Tax Bill	$1,903 (2026)
Deeds & Mortgages	Jul 2025 Refinance Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`301301 242.040-2-32`

Property Details

APN / Parcel Number

Primary APN	`301301 242.040-2-32`
Alternative APNs	`130124204000020320000000` `301301 242.040-0002-032` `21139 03`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,314 sqft Total Area
1st Floor Area	1,231 sqft
2nd Floor Area	1,083 sqft

Exterior

Year Built	Built 1892
Effective Year Built	Effective 1892
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	3,920 sqft (0.09 acres)
Lot Width	33.3 ft Width
Porch	Slab
Porch Area	104 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	21139 03
Street Address	113 N JAY ST
City	ROME
State	NY
Zip	13440-4836
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-2
Legal Description	H & L 33X116
Legal Block	2
Legal Lot Number	32.000
Jurisdiction	ONEIDA NY
Township / Civil Division	ROME
Census Block Group	3
Census Block	3020
Census Tract	22000

Owner

113 N Jay St, a duplex, is owned and occupied by an individual who bought it in February 2019.

Source: Oneida County and Rome City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	113 N JAY ST, ROME, NY 13440-4836
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST SOURCE FCU
Feb 4, 2019	Warranty Deed, Transfer · FHA Mortgage AMERICU CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 4, 2019 · Amount on File
Deed Sale	Feb 4, 2019 · Amount on File
Deed Document Number	20191494
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	113 N JAY ST, ROME, NY 13440-4836
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008672
Date	Jul 16, 2025
Instrument	2025-008672

Lender

Name	FIRST SOURCE FCU

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2040

Interest

Rate Type	Adjustable Rate

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONEIDA NY
Recording Date	Feb 4, 2019
Property Address	113 N JAY ST, ROME, NY 13440-4836
Document Number	0000001494
Instrument Date	Nov 5, 2018
Instrument	1494
Transaction Type	Transfer
Record Updated	May 7, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 W DOMINICK ST ROME NY 134404819, ROME, NY 13440-4819

Mortgage

Document Number	1495
Date	Feb 4, 2019
Instrument	1495

Lender

Name	AMERICU CU
Type	Credit Union
Address	ROME, NY 13440

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 3, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 113 N Jay St was $1,903.

Source: Oneida County and Rome City assessment roll, as of April 28, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,903.00
2025		$40,500 Land $5,500 Building $35,000	$95,294 Land $12,941 Building $82,353
2023		$40,500 (-) Land $5,500 Building $35,000	$89,246 (+17.91%) Land $12,120 Building $77,126
2022	$4,197.00	$40,500 Land $5,500 Building $35,000	$75,687 Land $10,278 Building $65,409

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

Flood

FEMA maps place 113 N Jay St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 26, 2013

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 113 N Jay St is low, with a 0.01% annual chance of 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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 489 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 · Fiber in parts of the area	300 / 20

May also be available: T-Mobile.

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