227 E Garden St, Rome, NY 13440 Property Records

Oneida County and Rome City property record for 227 E Garden St, Rome, NY 13440

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,256 sqft · built 1900
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Tax Bill	$2,433 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`301301 242.036-2-14`

Property Details

APN / Parcel Number

Primary APN	`301301 242.036-2-14`
Alternative APNs	`130124203600020140000000` `301301 242.036-0002-014` `55715 07`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,256 sqft Total Area
1st Floor Area	1,200 sqft
2nd Floor Area	624 sqft
Upper Floors Area	432 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	7,841 sqft (0.18 acres)
Lot Width	50 ft Width
Garage Type	Detached
Garage Area	724 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	296 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	55715 07
Street Address	227 E GARDEN ST
City	ROME
State	NY
Zip	13440-4360
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-1-5
Legal Description	H&L&G 50X160
Legal Block	2
Legal Lot Number	14.000
Jurisdiction	ONEIDA NY
Township / Civil Division	ROME
Census Block Group	1
Census Block	1024
Census Tract	22400

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	227 E GARDEN ST, ROME, NY 13440-4360
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2020	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Nov 3, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Dec 27, 2017	Warranty Deed, Transfer · FHA Mortgage PLAZA HM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	227 E GARDEN ST, ROME, NY 13440-4360
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018523
Date	Dec 30, 2020
Instrument	2020-018523

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	325 Months
Due	Jan 1, 2048

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	227 E GARDEN ST, ROME, NY 13440-4360
Document Number	0000000620
Instrument Date	Nov 3, 2020
Transaction Type	Mortgage
Record Updated	Mar 15, 2021
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 E GARDEN ST ROME NY 134404360, ROME, NY 13440-4360

Mortgage

Document Number	0000000620
Date	Jan 13, 2021
Instrument	620

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Jan 12, 2048

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONEIDA NY
Recording Date	Dec 27, 2017
Property Address	227 E GARDEN ST, ROME, NY 13440-4360
Document Number	0000019701
Instrument Date	Dec 15, 2017
Instrument	19701
Transaction Type	Transfer
Record Updated	Feb 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$282.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 E GARDEN ST ROME NY 134404360, ROME, NY 13440-4360

Mortgage

Document Number	19702
Date	Dec 27, 2017
Instrument	19702

Lender

Name	PLAZA HM MTG
Type	Mortgage Company
Address	WAKEFIELD, MA 01880

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 26, 2047

Tax Assessment & Valuation

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	$2,433.00
2025		$51,800 (-) Land $11,000 Building $40,800	$121,882 (+6.78%) Land $25,882 Building $96,000
2023		$51,800 (-) Land $11,000 Building $40,800	$114,147 (+17.92%) Land $24,240 Building $89,907
2022	$4,817.00	$51,800 Land $11,000 Building $40,800	$96,804 Land $20,557 Building $76,247

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

Flood

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

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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