404 E Garden St, Rome, NY 13440 Property Records

Oneida County and Rome City property record for 404 E Garden St, Rome, NY 13440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,485 sqft · built 1950
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$185,500 (Jan 2022)
Tax Bill	$2,090 (2026)
Deeds & Mortgages	Dec 2023 Mortgage Jan 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`301301 242.044-2-19`

Property Details

APN / Parcel Number

Primary APN	`301301 242.044-2-19`
Alternative APNs	`130124204400020190000000` `301301 242.044-0002-019` `03655 01`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,485 sqft Living Area
1st Floor Area	729 sqft
2nd Floor Area	756 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
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	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	03655 01
Street Address	404 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 50X150
Legal Block	2
Legal Lot Number	19.000
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	Individual Name on Record
Mailing Address	404 E GARDEN ST, ROME, NY 13440-5302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Jan 11, 2022	Warranty Deed, Transfer · FHA Mortgage M & T BANK
Jan 14, 2021	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 11, 2022 · Amount on Record
Deed Sale	Jan 11, 2022 · Amount on Record
Prior Sale	Jan 14, 2021 · Amount on Record
Deed Document Number	2022615
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	404 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	0000014923
Date	Dec 4, 2023
Instrument	2023-014923

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2053

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONEIDA NY
Recording Date	Jan 11, 2022
Property Address	404 E GARDEN ST, ROME, NY 13440-5302
Document Number	0000000615
Instrument Date	Jan 10, 2022
Instrument	2022-000615
Transaction Type	Transfer
Record Updated	Apr 23, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	219 E GARDEN ST, ROME, NY 13440-4359

Mortgage

Document Number	0000000616
Date	Jan 11, 2022
Instrument	2022-000616

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ONEIDA NY
Recording Date	Jan 14, 2021
Property Address	404 E GARDEN ST, ROME, NY 13440-5302
Document Number	0000000771
Instrument Date	Jan 6, 2021
Instrument	771
Transaction Type	Transfer
Record Updated	Mar 16, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$320.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6926 S JAMES ST ROME NY 134408118, ROME, NY 13440-8118

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	$2,090.00
2025		$44,500 (-) Land $7,500 Building $37,000	$104,706 (+6.78%) Land $17,647 Building $87,059
2023		$44,500 (-) Land $7,500 Building $37,000	$98,061 (+17.92%) Land $16,527 Building $81,534
2022	$3,515.00	$44,500 Land $7,500 Building $37,000	$83,162 Land $14,016 Building $69,146

Assessed value is set for property tax purposes, not a market price estimate; it is 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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