Oneida County and Rome City property record for 512 S Jay St, Rome, NY 13440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,923 sqft · built 1989 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $191,400 (Sep 2021) |
| Tax Bill | $3,664 (2026) |
| Deeds & Mortgages | May 2022 Mortgage May 2025 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 301301 242.000-0001-018.003 |
| Primary APN | 301301 242.000-0001-018.003 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,923 sqft Living Area |
| 1st Floor Area | 1,347 sqft |
| Basement Area | 576 sqft |
| Finished Basement | 576 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 17,860 sqft (0.41 acres) |
| Lot Width | 90 ft Width |
| Garage Type | Attached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 80 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 21395 03 |
|---|---|
| Street Address | 512 S JAY ST |
| City | ROME |
| State | NY |
| Zip | 13440-1626 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-8 |
| Legal Block | 1 |
| Legal Lot Number | 18.003 |
| Jurisdiction | ONEIDA NY |
| Township / Civil Division | ROME |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 21900 |
512 S Jay St is owned and occupied by two individuals who bought it in September 2021.
Source: Oneida County and Rome City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 512 S JAY ST, ROME, NY 13440-1626 |
| 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.
| Date | Document |
|---|---|
| May 18, 2022 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| May 5, 2025 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Sep 2, 2021 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Sep 2, 2021 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 2, 2021 · Amount on File |
| Deed Sale | Sep 2, 2021 · Amount on File |
| Prior Sale | Dec 15, 2016 · Amount on File |
| Deed Document Number | 202114695 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 512 S JAY ST, ROME, NY 13440-1626 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000007835 |
|---|---|
| Date | May 18, 2022 |
| Instrument | 2022-007835 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 512 S JAY ST, ROME, NY 13440-1626 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000004939 |
|---|---|
| Date | May 5, 2025 |
| Instrument | 2025-004939 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 325 Months |
| Due | Jun 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONEIDA NY |
| Recording Date | Sep 2, 2021 |
| Property Address | 512 S JAY ST, ROME, NY 13440-1626 |
| Document Number | 14695 |
| Instrument Date | Aug 30, 2021 |
| Instrument | 2021-014695 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 85 REID ST, FORT PLAIN, NY 13339-1360 |
| Document Number | 14696 |
|---|---|
| Date | Sep 2, 2021 |
| Instrument | 2021-014696 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONEIDA NY |
| Recording Date | Sep 2, 2021 |
| Property Address | 512 S JAY ST, ROME, NY 13440-1626 |
| Document Number | 0000014695 |
| Instrument Date | Aug 30, 2021 |
| Instrument | 2021-014695 |
| Transaction Type | Transfer |
| Record Updated | Apr 23, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 85 REID ST, FORT PLAIN, NY 13339-1360 |
| Document Number | 0000014696 |
|---|---|
| Date | Sep 2, 2021 |
| Instrument | 2021-014696 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 512 S Jay St was $3,664.
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 | $3,664.00 | ||
| 2025 | $78,000 Land $10,600 Building $67,400 | $183,529 Land $24,941 Building $158,588 | |
| 2023 | $78,000 (-) Land $10,600 Building $67,400 | $171,882 (+17.92%) Land $23,358 Building $148,524 | |
| 2022 | $5,574.00 | $78,000 Land $10,600 Building $67,400 | $145,767 Land $19,809 Building $125,958 |
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.
FEMA maps place 512 S Jay 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 risk around 512 S Jay 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.
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 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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