504 William St, Rome, NY 13440 Property Records

Oneida County and Rome City property record for 504 William St, Rome, NY 13440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,370 sqft · built 1899
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on File
Last Sale	$65,000 (Feb 2016)
Tax Bill	$2,335 (2026)
Deeds & Mortgages	Jan 2023 Mortgage Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`301301 242.025-2-13`

Property Details

APN / Parcel Number

Primary APN	`301301 242.025-2-13`
Alternative APNs	`130124202500020130000000` `301301 242.025-0002-013` `34197 05`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,370 sqft Living Area
1st Floor Area	790 sqft
2nd Floor Area	495 sqft
Upper Floors Area	84 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1899
Effective Year Built	Effective 1899
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	4,356 sqft (0.1 acres)
Lot Width	40 ft Width

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	254 sqft
Porch	Slab
Porch Area	72 sqft
Shed	1 Shed
Canopy	156 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	34197 05
Street Address	504 WILLIAM ST
City	ROME
State	NY
Zip	13440-4047
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	H&L 39X138
Legal Block	2
Legal Lot Number	13.000
Jurisdiction	ONEIDA NY
Township / Civil Division	ROME
Census Block Group	1
Census Block	1019
Census Tract	22100

Owner

504 William St is owned and occupied by two individuals who bought it in February 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	504 WILLIAM ST, ROME, NY 13440-4047
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jan 19, 2023	Deed of Trust, Mortgage · ARM FIRST SOURCE FEDERAL CREDIT UNION
Jan 22, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2016 · Amount on File
Deed Sale	Feb 8, 2016 · Amount on File
Prior Sale	Aug 29, 1996 · Amount on File
Deed Book / Page	2016 / 1764
Prior Transfer Date	May 10, 1996
Prior Transfer Doc	2738000334
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	504 WILLIAM ST, ROME, NY 13440-4047
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000626
Date	Jan 19, 2023
Instrument	2023-000626

Lender

Name	FIRST SOURCE FEDERAL CREDIT UNION

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Feb 1, 2033
Index	Other
Margin	2

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	504 WILLIAM ST, ROME, NY 13440-4047
Transaction Type	Mortgage
Record Updated	Apr 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001169
Date	Jan 22, 2021
Instrument	2021-001169

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Feb 1, 2046

Tax Assessment & Valuation

The 2026 property tax bill for 504 William St was $2,335.

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	$2,335.00
2025		$49,700 Land $5,500 Building $44,200	$116,941 Land $12,941 Building $104,000
2023		$49,700 (-) Land $5,500 Building $44,200	$109,520 (+17.92%) Land $12,120 Building $97,400
2022	$3,800.00	$49,700 Land $5,500 Building $44,200	$92,880 Land $10,278 Building $82,602

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

Flood

FEMA maps place 504 William St in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1979.

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
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.

Wildfire

Wildfire risk around 504 William 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	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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