Oneida County and Rome City property record for 309 Elm St, Rome, NY 13440
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 2,788 sqft · built 1906 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Individual Name on File |
| Last Sale | $104,000 (Jan 2020) |
| Tax Bill | $3,382 (2026) |
| Deeds & Mortgages | Jul 2020 Mortgage Jan 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 301301 242.026-1-37 |
| Primary APN | 301301 242.026-1-37 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,788 sqft Living Area |
| 1st Floor Area | 1,442 sqft |
| 2nd Floor Area | 1,346 sqft |
| Year Built | Built 1906 |
|---|---|
| Effective Year Built | Effective 1906 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,454 sqft (0.24 acres) |
| Lot Width | 50 ft Width |
| Porch | Slab |
| Porch Area | 246 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 37205 05 |
|---|---|
| Street Address | 309 ELM ST |
| City | ROME |
| State | NY |
| Zip | 13440-4107 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-P |
| Legal Description | H&L 50X213 |
| Legal Block | 1 |
| Legal Lot Number | 37.000 |
| Jurisdiction | ONEIDA NY |
| Township / Civil Division | ROME |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 26300 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Rome Residential Historic District listed 2025 · 1,199 contributing resources · NRIS 100011346 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
309 Elm St is owned and occupied by an individual who bought it in January 2020.
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 File |
|---|---|
| Mailing Address | 309 ELM ST, ROME, NY 13440-4107 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERICU CU |
| Jan 29, 2020 | Deed of Trust, Mortgage · FHA Mortgage HOMESTEAD FNDG |
| Jan 30, 2020 | Warranty Deed, Transfer · FHA Mortgage HOMESTEAD FUNDING CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 30, 2020 · Amount on File |
| Deed Sale | Jan 30, 2020 · Amount on File |
| Prior Sale | Oct 24, 2013 · Amount on File |
| Deed Document Number | 20201438 |
| Prior Transfer Date | Dec 18, 2019 |
| Prior Transfer Doc | 0000001438 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 309 ELM ST, ROME, NY 13440-4107 |
| Document Number | 0000010325 |
| Instrument Date | Jul 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 16, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 309 ELM ST ROME NY 134404107, ROME, NY 13440-4107 |
| Document Number | 0000010325 |
|---|---|
| Date | Aug 17, 2020 |
| Instrument | 10325 |
| Name | AMERICU CU |
|---|---|
| Type | Credit Union |
| Address | ROME, NY 13440 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 16, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 309 ELM ST, ROME, NY 13440-4107 |
| Document Number | 0000001439 |
| Instrument Date | Jan 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 309 ELM ST ROME NY 134404107, ROME, NY 13440-4107 |
| Document Number | 0000001439 |
|---|---|
| Date | Jan 30, 2020 |
| Instrument | 1439 |
| Name | HOMESTEAD FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | ALBANY, NY 12205 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 29, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONEIDA NY |
| Recording Date | Jan 30, 2020 |
| Property Address | 309 ELM ST, ROME, NY 13440-4107 |
| Document Number | 0000001438 |
| Instrument Date | Dec 18, 2019 |
| Instrument | 2020-001438 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 309 ELM ST, ROME, NY 13440-4107 |
| Document Number | 0000001439 |
|---|---|
| Date | Jan 30, 2020 |
| Instrument | 2020-001439 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 309 Elm St was $3,382.
Source: Oneida County and Rome City assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Oneida County |
| Municipality | Rome City |
| Unified School District | Rome City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,382.00 | ||
| 2025 | $72,000 Land $15,000 Building $57,000 | $169,412 Land $35,294 Building $134,118 | |
| 2023 | $72,000 (-) Land $15,000 Building $57,000 | $158,660 (+17.92%) Land $33,054 Building $125,606 | |
| 2022 | $5,025.00 | $72,000 Land $15,000 Building $57,000 | $134,554 Land $28,032 Building $106,522 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 309 Elm St in Zone X, an area of minimal flood risk.
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 risk around 309 Elm St is low, with a 0.01% annual chance of 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 614 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 | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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