402 E Garden St, Rome, NY 13440 Property Records

Oneida County and Rome City property record for 402 E Garden St, Rome, NY 13440

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,912 sqft · built 1920
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Company Names on Record
Last Sale	$124,500 (Jan 2021)
Tax Bill	$2,509 (2026)
Deeds & Mortgages	Sep 2023 Mortgage Jan 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`301301 242.044-2-18`

Property Details

APN / Parcel Number

Primary APN	`301301 242.044-2-18`
Alternative APNs	`130124204400020180000000` `301301 242.044-0002-018` `03650 01`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,912 sqft Living Area
1st Floor Area	1,096 sqft
2nd Floor Area	816 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	7,405 sqft (0.17 acres)
Lot Width	50 ft Width
Garage Type	Detached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Vinyl Pool
Porch	Slab
Porch Area	384 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	03650 01
Street Address	402 E GARDEN ST
City	ROME
State	NY
Zip	13440-5302
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Description	HL #18 50X150
Legal Block	2
Legal Lot Number	18.000
Jurisdiction	ONEIDA NY
Township / Civil Division	ROME
Census Block Group	2
Census Block	2014
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 Company Names on Record
Mailing Address	402 E GARDEN ST, ROME, NY 13440-5302
Owner Type	Company
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) SECRETARY HOUSING URBAN DEVELOPMENT
Jan 15, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2021 · Amount on Record
Deed Sale	Jan 15, 2021 · Amount on Record
Prior Sale	Jun 21, 2000 · Amount on Record
Deed Document Number	2021882
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	402 E GARDEN ST, ROME, NY 13440-5302
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011410
Date	Sep 15, 2023
Instrument	2023-011410

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	337 Months
Due	Oct 1, 2051

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONEIDA NY
Recording Date	Jan 15, 2021
Property Address	402 E GARDEN ST, ROME, NY 13440-5302
Document Number	0000000882
Instrument Date	Jan 4, 2021
Instrument	2021-000882
Transaction Type	Transfer
Record Updated	Apr 29, 2022

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	1025 SOUTH RD W, FORESTPORT, NY 13338-3130

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	$2,509.00
2025		$53,400 (-) Land $10,700 Building $42,700	$125,647 (+6.78%) Land $25,176 Building $100,471
2023		$53,400 (-) Land $10,700 Building $42,700	$117,673 (+17.92%) Land $23,579 Building $94,094
2022	$4,003.00	$53,400 Land $10,700 Building $42,700	$99,794 Land $19,996 Building $79,798

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 Policies	2 in force

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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