220 E Garden St, Rome, NY 13440 Property Records

Oneida County and Rome City property record for 220 E Garden St, Rome, NY 13440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,124 sqft · built 1949
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$127,200 (May 2020)
Tax Bill	$2,621 (2026)
Deeds & Mortgages	Oct 2022 Mortgage May 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`301301 242.036-1-14`

Property Details

APN / Parcel Number

Primary APN	`301301 242.036-1-14`
Alternative APNs	`130124203600010140000000` `301301 242.036-0001-014` `55625 01`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,124 sqft Living Area
1st Floor Area	1,124 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	6,534 sqft (0.15 acres)
Lot Width	45 ft Width
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	24 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	55625 01
Street Address	220 E GARDEN ST
City	ROME
State	NY
Zip	13440-4361
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Description	H&L&G 45X150
Legal Block	1
Legal Lot Number	14.000
Jurisdiction	ONEIDA NY
Township / Civil Division	ROME
Census Block Group	1
Census Block	1010
Census Tract	22400

Owner

220 E Garden St is owned and occupied by an individual who bought it in May 2020.

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

Owner of Record	Individual Name on File
Mailing Address	220 E GARDEN ST, ROME, NY 13440-4361
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
Oct 18, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
May 21, 2024	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Apr 29, 2025	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
May 4, 2020	Warranty Deed, Transfer · FHA Mortgage COMMONFUND MORTGAGE CORP
Apr 23, 2020	Deed of Trust, Mortgage · FHA Mortgage COMMONFUND MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2020 · Amount on File
Deed Sale	May 4, 2020 · Amount on File
Prior Sale	Aug 28, 2008 · Amount on File
Deed Document Number	20205334
Prior Transfer Date	Aug 27, 2008
Prior Transfer Doc	2008014663
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	220 E GARDEN ST, ROME, NY 13440-4361
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000016661
Date	Oct 18, 2022
Instrument	2022-016661

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	337 Months
Due	Nov 1, 2050

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	220 E GARDEN ST, ROME, NY 13440-4361
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000005674
Date	May 21, 2024
Instrument	2024-005674

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	313 Months
Due	Jun 1, 2050

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	220 E GARDEN ST, ROME, NY 13440-4361
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004682
Date	Apr 29, 2025
Instrument	2025-004682

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	301 Months
Due	May 1, 2050

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONEIDA NY
Recording Date	May 4, 2020
Property Address	220 E GARDEN ST, ROME, NY 13440-4361
Document Number	0000005334
Instrument Date	Apr 23, 2020
Instrument	2020-005334
Transaction Type	Transfer
Record Updated	Apr 29, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 N DOXTATOR ST, ROME, NY 13440-3956

Mortgage

Document Number	0000005335
Date	May 4, 2020
Instrument	2020-005335

Lender

Name	COMMONFUND MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	220 E GARDEN ST, ROME, NY 13440-4361
Document Number	0000005335
Instrument Date	Apr 23, 2020
Transaction Type	Mortgage
Record Updated	Jun 5, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	110 N DOXTATOR ST ROME NY 134403956, ROME, NY 13440-3956

Mortgage

Document Number	0000005335
Date	May 4, 2020
Instrument	5335

Lender

Name	COMMONFUND MTG
Type	Mortgage Company
Address	SYRACUSE, NY 13204

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 3, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 220 E Garden St was $2,621.

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	$2,621.00
2025		$55,800 Land $9,600 Building $46,200	$131,294 Land $22,588 Building $108,706
2023		$55,800 (-) Land $9,600 Building $46,200	$122,962 (+17.92%) Land $21,155 Building $101,807
2022	$4,135.00	$55,800 Land $9,600 Building $46,200	$104,280 Land $17,941 Building $86,339

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 220 E Garden St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.

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 Claims	2 (1979–1980)
Most Recent Claim	Mar 1980 · rainfall accumulation

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.

Wildfire

The area around 220 E Garden St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 560 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Oneida County Rural Telephone.

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