Oneida County and Rome City property record for 404 N Jay St, Rome, NY 13440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,934 sqft · built 1903 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $30,000 (May 2015) |
| Tax Bill | $2,720 (2026) |
| Deeds & Mortgages | Nov 2021 Line of Credit Sep 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 301301 242.033-2-55 |
| Primary APN | 301301 242.033-2-55 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,934 sqft Living Area |
| 1st Floor Area | 967 sqft |
| 2nd Floor Area | 967 sqft |
| Year Built | Built 1903 |
|---|---|
| Effective Year Built | Effective 1903 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 2,614 sqft (0.06 acres) |
| Lot Width | 38 ft Width |
| Porch | Slab |
| Porch Area | 289 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 31315 04 |
|---|---|
| Street Address | 404 N JAY ST |
| City | ROME |
| State | NY |
| Zip | 13440-4924 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | H&L 38X66 |
| Legal Block | 2 |
| Legal Lot Number | 55.000 |
| Jurisdiction | ONEIDA NY |
| Township / Civil Division | ROME |
| Census Block Group | 3 |
| Census Block | 3036 |
| Census Tract | 26300 |
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 | 404 N JAY ST, ROME, NY 13440-4924 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 19, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST SOURCE FEDERAL CREDIT UNION |
| Sep 13, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST SOURCE FEDERAL CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 2015 · Amount on Record |
| Deed Sale | May 1, 2015 · Amount on Record |
| Prior Sale | Jan 21, 2015 |
| Deed Book / Page | 2015 / 5695 |
| Prior Transfer Date | Jan 9, 2015 |
| Prior Transfer Doc | 2015000907 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 404 N JAY ST, ROME, NY 13440-4924 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000020002 |
|---|---|
| Date | Nov 19, 2021 |
| Instrument | 2021-020002 |
| Name | FIRST SOURCE FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 1, 2036 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 404 N JAY ST, ROME, NY 13440-4924 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000011301 |
|---|---|
| Date | Sep 13, 2023 |
| Instrument | 2023-011301 |
| Name | FIRST SOURCE FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 1, 2043 |
| Rate Type | Adjustable Rate |
|---|
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 | $2,720.00 | ||
| 2025 | $57,900 (-) Land $7,400 Building $50,500 | $136,235 (+6.78%) Land $17,412 Building $118,823 | |
| 2023 | $57,900 (-) Land $7,400 Building $50,500 | $127,589 (+17.92%) Land $16,307 Building $111,282 | |
| 2022 | $4,250.00 | $57,900 Land $7,400 Building $50,500 | $108,204 Land $13,829 Building $94,375 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 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.
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 525 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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