605 E Garden St, Rome, NY 13440 Property Records

Oneida County and Rome City property record for 605 E Garden St, Rome, NY 13440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,792 sqft · built 1924
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$195,000 (Apr 2022)
Tax Bill	$2,640 (2026)
Deeds & Mortgages	Nov 2021 Line of Credit Mar 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`301301 243.009-4-17`

Property Details

APN / Parcel Number

Primary APN	`301301 243.009-4-17`
Alternative APNs	`130124300900040170000000` `301301 243.009-0004-017` `03815 01`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,792 sqft Living Area
1st Floor Area	976 sqft
2nd Floor Area	816 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	7,405 sqft (0.17 acres)
Lot Width	50 ft Width
Garage Type	Attached
Garage Area	364 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	192 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	03815 01
Street Address	605 E GARDEN ST
City	ROME
State	NY
Zip	13440-5305
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Block	4
Legal Lot Number	17.000
Jurisdiction	ONEIDA NY
Township / Civil Division	ROME
Census Block Group	2
Census Block	2012
Census Tract	22400

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	605 E GARDEN ST, ROME, NY 13440-5305
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2021	Deed of Trust, Mortgage · Line of Credit AMERICU CU
Mar 29, 2021	Deed of Trust, Mortgage · Line of Credit AMERICU CU
Apr 26, 2022	Warranty Deed, Transfer · FHA Mortgage M & T BANK
Mar 29, 2021	Deed of Trust, Mortgage · Line of Credit AMERICU CU
Dec 13, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2022 · Amount on Record
Deed Sale	Apr 26, 2022 · Amount on Record
Deed Document Number	20226415
Prior Transfer Date	Feb 4, 2014
Prior Transfer Doc	2014005950
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	605 E GARDEN ST, ROME, NY 13440-5305
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019067
Date	Nov 5, 2021
Instrument	2021-019067

Lender

Name	AMERICU CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	605 E GARDEN ST, ROME, NY 13440-5305
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005092
Date	Mar 29, 2021
Instrument	2021-005092

Lender

Name	AMERICU CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONEIDA NY
Recording Date	Apr 26, 2022
Property Address	605 E GARDEN ST, ROME, NY 13440-5305
Document Number	0000006415
Instrument Date	Apr 25, 2022
Instrument	2022-006415
Transaction Type	Transfer
Record Updated	Apr 23, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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
Relationship	Joint Tenants
Address	11 TRACEY ST, WHITESBORO, NY 13492-1503

Mortgage

Document Number	0000006416
Date	Apr 26, 2022
Instrument	2022-006416

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	605 E GARDEN ST, ROME, NY 13440-5305
Transaction Type	Mortgage
Record Updated	Apr 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5092
Date	Mar 29, 2021
Instrument	2021-005092

Lender

Name	AMERICU CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ONEIDA NY
Recording Date	Dec 13, 2019
Property Address	605 E GARDEN ST, ROME, NY 13440-5305
Document Number	0000017476
Instrument Date	Nov 29, 2019
Instrument	17476
Transaction Type	Transfer
Record Updated	Mar 16, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$500.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5850 LOWELL RD ROME NY 134407828, ROME, NY 13440-7828

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	$2,640.00
2025		$56,200 (-) Land $10,700 Building $45,500	$132,235 (+6.78%) Land $25,176 Building $107,059
2023		$56,200 (-) Land $10,700 Building $45,500	$123,843 (+17.92%) Land $23,579 Building $100,264
2022	$4,157.00	$56,200 Land $10,700 Building $45,500	$105,027 Land $19,996 Building $85,031

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

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	2 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 98% of the US · lower than 97.9% of New York
Wildfire Likelihood	Under 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 221 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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