431 William St, Rome, NY 13440 Property Records

Oneida County and Rome City property record for 431 William St, Rome, NY 13440

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,143 sqft · built 1920
Lot Size	0.1 acres (4,356 sqft)
Owner	Company Name on Record
Tax Bill	$1,597 (2026)
Deeds & Mortgages	May 2022 Refinance Mar 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`301301 242.025-2-71`

Property Details

APN / Parcel Number

Primary APN	`301301 242.025-2-71`
Alternative APNs	`130124202500020710000000` `301301 242.025-0002-071` `34185 04`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,143 sqft Total Area
1st Floor Area	1,157 sqft
2nd Floor Area	986 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	4,356 sqft (0.1 acres)
Lot Width	48 ft Width
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	321 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	34185 04
Street Address	431 WILLIAM ST
City	ROME
State	NY
Zip	13440-4141
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-2
Legal Description	H&L 48X103
Legal Block	2
Legal Lot Number	71.000
Jurisdiction	ONEIDA NY
Township / Civil Division	ROME
Census Block Group	3
Census Block	3007
Census Tract	26300

Owner

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	Company Name on Record
Mailing Address	7989 S HILL RD, HOLLAND PATENT, NY 13354-3447
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 9, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY BANK NA
Mar 18, 2021	Warranty Deed, Transfer
Jan 11, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	431 WILLIAM ST, ROME, NY 13440-4141
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007269
Date	May 9, 2022
Instrument	2022-007269

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2042

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONEIDA NY
Recording Date	Mar 18, 2021
Property Address	431 WILLIAM ST, ROME, NY 13440-4141
Document Number	0000004569
Instrument Date	Mar 16, 2021
Instrument	2021-004569
Transaction Type	Transfer
Record Updated	Apr 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 N WASHINGTON ST, ROME, NY 13440-5108

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONEIDA NY
Recording Date	Jan 11, 2017
Property Address	431 WILLIAM ST, ROME, NY 13440-4141
Document Number	0000000597
Instrument Date	Dec 23, 2016
Instrument	597
Transaction Type	Transfer
Record Updated	Jan 18, 2017

Transaction

Amount	Amount Recorded
Tax	$1,944.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	400 N WASHINGTON ST ROME NY 134405108, ROME, NY 13440-5108
Investor	Possibly a Property Investor

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	$1,597.00
2025		$34,000 (-) Land $4,500 Building $29,500	$80,000 (+6.78%) Land $10,588 Building $69,412
2023		$34,000 (-) Land $4,500 Building $29,500	$74,923 (+17.91%) Land $9,916 Building $65,007
2022	$3,840.00	$34,000 Land $4,500 Building $29,500	$63,540 Land $8,410 Building $55,130

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	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.

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	Direct burnable vegetation

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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