305 Expense St, Rome, NY 13440 Property Records

Oneida County and Rome City property record for 305 Expense St, Rome, NY 13440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,797 sqft · built 1900
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$66,950 (Feb 2021)
Tax Bill	$2,255 (2026)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`301301 242.006-2-23`

Property Details

APN / Parcel Number

Primary APN	`301301 242.006-2-23`
Alternative APNs	`130124200600020230000000` `301301 242.006-0002-023` `29915 04`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,797 sqft Living Area
1st Floor Area	957 sqft
2nd Floor Area	840 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	8,276 sqft (0.19 acres)
Lot Width	41 ft Width
Porch	Slab
Porch Area	182 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	29915 04
Street Address	305 EXPENSE ST
City	ROME
State	NY
Zip	13440-4030
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	H&L 41X200
Legal Block	2
Legal Lot Number	23.000
Jurisdiction	ONEIDA NY
Township / Civil Division	ROME
Census Block Group	2
Census Block	2016
Census Tract	22000

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	305 EXPENSE ST, ROME, NY 13440-4030
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2021	Executor's Deed, Transfer · FHA Mortgage AMERICU CU
Nov 1, 2018	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 8, 2021 · Amount on Record
Deed Sale	Feb 8, 2021 · Amount on Record
Deed Document Number	20212269
Record Updated	Oct 29, 2026

February 2021: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	ONEIDA NY
Recording Date	Feb 8, 2021
Property Address	305 EXPENSE ST, ROME, NY 13440-4030
Document Number	0000002269
Instrument Date	Feb 3, 2021
Instrument	2021-002269
Transaction Type	Transfer
Record Updated	Apr 23, 2026

Transaction

Amount	Amount Recorded
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	512 W PARK ST, ROME, NY 13440-4014

Mortgage

Document Number	0000002270
Date	Feb 8, 2021
Instrument	2021-002270

Lender

Name	AMERICU CU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	305 EXPENSE ST, ROME, NY 13440-4030
Document Number	0000016046
Instrument Date	Nov 1, 2018
Transaction Type	Mortgage
Record Updated	Dec 27, 2018
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 EXPENSE ST ROME NY 134404030, ROME, NY 13440-4030

Mortgage

Document Number	0000016046
Date	Nov 5, 2018
Instrument	16046

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded

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	$2,255.00
2025		$48,000 (-) Land $13,000 Building $35,000	$112,941 (+6.78%) Land $30,588 Building $82,353
2023		$48,000 (-) Land $13,000 Building $35,000	$105,773 (+17.91%) Land $28,647 Building $77,126
2022	$3,707.00	$48,000 Land $13,000 Building $35,000	$89,703 Land $24,295 Building $65,408

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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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