Oneida County and Rome City property record for 404 Expense St, Rome, NY 13440
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,896 sqft · built 1953 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $5,085 (2022) |
| Deeds & Mortgages | Aug 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 301301 242.025-1-86 |
| Primary APN | 301301 242.025-1-86 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,896 sqft Living Area |
| 1st Floor Area | 1,536 sqft |
| Basement Area | 360 sqft |
| Finished Basement | 360 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Split Level |
| Exterior Material | Wood |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Width | 93 ft Width |
| Garage Type | Basement |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Porch | Slab |
| Porch Area | 20 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 29985 04 |
|---|---|
| Street Address | 404 EXPENSE ST |
| City | ROME |
| State | NY |
| Zip | 13440-4033 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | H&L 93X120 |
| Legal Block | 1 |
| Legal Lot Number | 86.000 |
| Jurisdiction | ONEIDA NY |
| Township / Civil Division | ROME |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 22100 |
Source: Oneida County and Rome City records, as of April 28, 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 | 404 EXPENSE ST, ROME, NY 13440-4033 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 404 EXPENSE ST, ROME, NY 13440-4033 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000013474 |
|---|---|
| Date | Aug 25, 2022 |
| Instrument | 2022-013474 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
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 |
|---|---|---|---|
| 2025 | $73,100 (-) Land $14,400 Building $58,700 | $172,000 (+6.78%) Land $33,882 Building $138,118 | |
| 2023 | $73,100 (-) Land $14,400 Building $58,700 | $161,084 (+17.92%) Land $31,732 Building $129,352 | |
| 2022 | $5,085.00 | $73,100 Land $14,400 Building $58,700 | $136,610 Land $26,911 Building $109,699 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 9 (1979–2004) |
| Claims Outside the SFHA | 2 of 9 |
| Most Recent Claim | May 2004 · Severe Storms And Flooding |
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.
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 664 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 |
May also be available: T-Mobile.
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