511 Expense St, Rome, NY 13440 Property Records

Oneida County and Rome City property record for 511 Expense St, Rome, NY 13440

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,798 sqft · built 1920
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$60,000 (May 2017)
Tax Bill	$1,503 (2026)
Deeds & Mortgages	Jan 2023 Refinance Oct 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`301301 242.025-1-10`

Property Details

APN / Parcel Number

Primary APN	`301301 242.025-1-10`
Alternative APNs	`130124202500010100000000` `301301 242.025-0001-010` `30055 04`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,798 sqft Living Area
1st Floor Area	1,186 sqft
Upper Floors Area	612 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	4,792 sqft (0.11 acres)
Lot Width	50 ft Width
Garage Type	Detached
Garage Area	276 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	91 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	30055 04
Street Address	511 EXPENSE ST
City	ROME
State	NY
Zip	13440-4022
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	H & L 50X100
Legal Block	1
Legal Lot Number	10.000
Jurisdiction	ONEIDA NY
Township / Civil Division	ROME
Census Block Group	1
Census Block	1017
Census Tract	22100

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	Individual Name on Record
Mailing Address	511 EXPENSE ST, ROME, NY 13440-4022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance SECRETARY HOUSING URBAN DEVELOPMENT
Oct 12, 2021	Deed of Trust, Mortgage · Line of Credit FIRST SOURCE FEDERAL CREDIT UNION
May 14, 2024	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
May 1, 2017	Grant Deed, Transfer · FHA Mortgage PARAGON HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2017 · Amount on Record
Deed Sale	May 1, 2017 · Amount on Record
Prior Sale	Jan 17, 2012 · Amount on Record
Deed Book / Page	2017 / 6178
Prior Transfer Date	Feb 21, 2006
Prior Transfer Doc	2006005723
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	511 EXPENSE ST, ROME, NY 13440-4022
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001612
Date	Jan 31, 2023
Instrument	2023-001612

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	289 Months
Due	Feb 1, 2047

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	511 EXPENSE ST, ROME, NY 13440-4022
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017309
Date	Oct 12, 2021
Instrument	2021-017309

Lender

Name	FIRST SOURCE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	133 Months
Due	Nov 1, 2032

Interest

Rate Type	Adjustable Rate

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	511 EXPENSE ST, ROME, NY 13440-4022
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005341
Date	May 14, 2024
Instrument	2024-005341

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	277 Months
Due	Jun 1, 2047

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ONEIDA NY
Recording Date	May 1, 2017
Property Address	511 EXPENSE ST, ROME, NY 13440-4022
Document Number	0000006178
Instrument Date	Mar 24, 2017
Instrument	6178
Transaction Type	Transfer
Record Updated	Sep 12, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 EXPENSE ST ROME NY 134404022, ROME, NY 13440-4022

Mortgage

Document Number	6179
Date	May 1, 2017
Instrument	6179

Lender

Name	PARAGON HM LNS
Type	Funding / Finance Company
Address	EAST SYRACUSE, NY 13057

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2047

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	$1,503.00
2025		$32,000 (-) Land $5,000 Building $27,000	$75,294 (+6.78%) Land $11,765 Building $63,529
2023		$32,000 (-) Land $5,000 Building $27,000	$70,516 (+17.92%) Land $11,018 Building $59,498
2022	$2,828.00	$32,000 Land $5,000 Building $27,000	$59,802 Land $9,344 Building $50,458

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
Nearest Special Flood Hazard Area	Zone AE, within 500 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.

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.

Nearby Properties on Expense St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures