228 E Garden St, Rome, NY 13440 Property Records

Oneida County and Rome City property record for 228 E Garden St, Rome, NY 13440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,456 sqft · built 1940
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$120,840 (Sep 2019)
Tax Bill	$2,603 (2026)
Deeds & Mortgages	Aug 2019 Mortgage Nov 2017 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`301301 242.036-1-24`

Property Details

APN / Parcel Number

Primary APN	`301301 242.036-1-24`
Alternative APNs	`130124203600010240000000` `301301 242.036-0001-024` `55645 01`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,456 sqft Living Area
1st Floor Area	728 sqft
2nd Floor Area	728 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	7,405 sqft (0.17 acres)
Lot Width	50 ft Width
Garage Type	Detached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	218 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	55645 01
Street Address	228 E GARDEN ST
City	ROME
State	NY
Zip	13440-4362
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Description	H&L&G 50X150
Legal Block	1
Legal Lot Number	24.000
Jurisdiction	ONEIDA NY
Township / Civil Division	ROME
Census Block Group	1
Census Block	1036
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	2 Individual Names on File
Mailing Address	228 E GARDEN ST, ROME, NY 13440-4362
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2019	Deed of Trust, Mortgage · FHA Mortgage HOMEOWNERS ADVANTAGE
Nov 15, 2017	Quit Claim Deed, Transfer Quitclaim
May 24, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2019 · Amount on File
Deed Sale	Sep 4, 2019 · Amount on File
Prior Sale	Dec 12, 2016 · Amount on File
Deed Document Number	201911755
Prior Transfer Date	May 15, 2017
Prior Transfer Doc	2017007453
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	228 E GARDEN ST, ROME, NY 13440-4362
Document Number	0000011756
Instrument Date	Aug 30, 2019
Transaction Type	Mortgage
Record Updated	Sep 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 E GARDEN ST ROME NY 134404362, ROME, NY 13440-4362

Mortgage

Document Number	0000011756
Date	Sep 4, 2019
Instrument	11756

Lender

Name	HOMEOWNERS ADVANTAGE
Address	ALBANY, NY 12205

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 3, 2049

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ONEIDA NY
Recording Date	Nov 15, 2017
Property Address	228 E GARDEN ST, ROME, NY 13440-4362
Document Number	0000017410
Instrument Date	Nov 9, 2017
Instrument	17410
Transaction Type	Transfer
Record Updated	Nov 30, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4158 UTAH ST #4 SAN DIEGO CA 921041821, 4, SAN DIEGO, CA 92104-1821

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ONEIDA NY
Recording Date	May 24, 2017
Property Address	228 E GARDEN ST, ROME, NY 13440-4362
Document Number	0000007453
Instrument Date	May 15, 2017
Instrument	7453
Transaction Type	Transfer
Record Updated	Jun 5, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4158 UTAH ST #4 SAN DIEGO CA 921041821, 4, SAN DIEGO, CA 92104-1821

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	$2,603.00
2025		$55,400 (-) Land $10,700 Building $44,700	$130,353 (+6.78%) Land $25,176 Building $105,177
2023		$55,400 (-) Land $10,700 Building $44,700	$122,080 (+17.92%) Land $23,579 Building $98,501
2022	$4,113.00	$55,400 Land $10,700 Building $44,700	$103,532 Land $19,996 Building $83,536

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

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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