409 Elm St, Rome, NY 13440 Property Records

Oneida County and Rome City property record for 409 Elm St, Rome, NY 13440

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,760 sqft · built 1900
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (Dec 2023)
Tax Bill	$3,251 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Jul 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`301301 242.026-1-11`

Property Details

APN / Parcel Number

Primary APN	`301301 242.026-1-11`
Alternative APNs	`130124202600010110000000` `301301 242.026-0001-011` `37230 05`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,760 sqft Living Area
1st Floor Area	1,470 sqft
2nd Floor Area	1,290 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	10,019 sqft (0.23 acres)
Lot Width	46 ft Width
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	37230 05
Street Address	409 ELM ST
City	ROME
State	NY
Zip	13440-3338
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	H & L 46X221
Legal Block	1
Legal Lot Number	11.000
Jurisdiction	ONEIDA NY
Township / Civil Division	ROME
Census Block Group	2
Census Block	2003
Census Tract	26300

Owner

409 Elm St is owned and occupied by two individuals who bought it in December 2023.

Source: Oneida County and Rome City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	409 ELM ST, ROME, NY 13440-3338
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Jul 14, 2025	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Dec 21, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage MORTGAGE RESEARCH CENTER LLC
Sep 2, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Jun 7, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2023 · Amount on File
Deed Sale	Dec 21, 2023 · Amount on File
Prior Sale	Jun 7, 2018 · Amount on File
Deed Document Number	202315814
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	409 ELM ST, ROME, NY 13440-3338
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014596
Date	Sep 2, 2021
Instrument	2021-014596

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	325 Months
Due	Oct 1, 2048

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	409 ELM ST, ROME, NY 13440-3338
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008540
Date	Jul 14, 2025
Instrument	2025-008540

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONEIDA NY
Recording Date	Dec 21, 2023
Property Address	409 ELM ST, ROME, NY 13440-3338
Document Number	0000015814
Instrument Date	Dec 8, 2023
Instrument	2023-015814
Transaction Type	Transfer
Record Updated	Apr 23, 2026

Transaction

Amount	Amount 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	111 MARIPOSA ST, SYRACUSE, NY 13206-3435

Mortgage

Document Number	0000015815
Date	Dec 21, 2023
Instrument	2023-015815

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	409 ELM ST, ROME, NY 13440-3338
Transaction Type	Mortgage
Record Updated	Sep 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	14596
Date	Sep 2, 2021
Instrument	2021-014596

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	325 Months
Due	Oct 1, 2048

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONEIDA NY
Recording Date	Jun 7, 2018
Property Address	409 ELM ST, ROME, NY 13440-3338
Document Number	0000007760
Instrument Date	Jun 7, 2018
Instrument	2018-007760
Transaction Type	Transfer
Record Updated	Apr 29, 2022

Transaction

Amount	Amount 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	301 POST ST, BOONVILLE, NY 13309-1049

Tax Assessment & Valuation

The 2026 property tax bill for 409 Elm St was $3,251.

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	$3,251.00
2025		$69,200 Land $14,100 Building $55,100	$162,824 Land $33,177 Building $129,647
2023		$69,200 (-) Land $14,100 Building $55,100	$152,490 (+17.91%) Land $31,071 Building $121,419
2022	$4,871.00	$69,200 Land $14,100 Building $55,100	$129,322 Land $26,350 Building $102,972

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

FEMA maps place 409 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

Wildfire risk around 409 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.

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 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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