229 E Garden St, Rome, NY 13440 Property Records

Oneida County and Rome City property record for 229 E Garden St, Rome, NY 13440

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,144 sqft · built 1900
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$107,000 (Nov 2019)
Tax Bill	$2,175 (2026)
Deeds & Mortgages	Jan 2023 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`301301 242.036-2-15`

Property Details

APN / Parcel Number

Primary APN	`301301 242.036-2-15`
Alternative APNs	`130124203600020150000000` `301301 242.036-0002-015` `55720 07`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,144 sqft Living Area
1st Floor Area	784 sqft
Upper Floors Area	360 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	10,454 sqft (0.24 acres)
Lot Width	64.5 ft Width
Garage Type	Detached
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	272 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	55720 07
Street Address	229 E GARDEN ST
City	ROME
State	NY
Zip	13440-4360
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Description	H&L&G 64.5X160
Legal Block	2
Legal Lot Number	15.000
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	229 E GARDEN ST, ROME, NY 13440-4360
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) SECRETARY HOUSING URBAN DEVELOPMENT
Oct 25, 2019	Warranty Deed, Transfer · FHA Mortgage OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2019 · Amount on Record
Deed Sale	Nov 7, 2019 · Amount on Record
Prior Sale	Oct 25, 2019 · Amount on Record
Deed Document Number	201915610
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	229 E GARDEN ST, ROME, NY 13440-4360
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001200
Date	Jan 26, 2023
Instrument	2023-001200

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	313 Months
Due	Feb 1, 2049

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONEIDA NY
Recording Date	Oct 25, 2019
Property Address	229 E GARDEN ST, ROME, NY 13440-4360
Document Number	0000014833
Instrument Date	Oct 10, 2019
Instrument	14833
Transaction Type	Transfer
Record Updated	Dec 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 DONEGAL DR UTICA NY 135027414, UTICA, NY 13502-7414

Mortgage

Document Number	14834
Date	Oct 25, 2019
Instrument	14834

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	SHELBY TOWNSHIP, MI 48315

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2049

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	$2,175.00
2025		$46,300 (-) Land $12,400 Building $33,900	$108,941 (+6.78%) Land $29,176 Building $79,765
2023		$46,300 (-) Land $12,400 Building $33,900	$102,027 (+17.91%) Land $27,325 Building $74,702
2022	$3,614.00	$46,300 Land $12,400 Building $33,900	$86,526 Land $23,173 Building $63,353

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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