Oneida County and Westmoreland Town property record for 6398 Lower Lawrence St, Rome, NY 13440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,560 sqft · built 2006 |
| Lot Size | 1.49 acres (64,904 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,731 (2026) |
| Deeds & Mortgages | Sep 2023 Refinance May 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 306800 273.000-2-1.2 |
| Primary APN | 306800 273.000-2-1.2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,560 sqft Living Area |
| 1st Floor Area | 1,560 sqft |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 64,904 sqft (1.49 acres) |
| Lot Dimensions | 325 ft deep x 200 ft wide |
| Garage Type | Attached |
| Garage Area | 1,008 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
| Porch Area | 126 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 6398 LOWER LAWRENCE ST |
|---|---|
| City | ROME |
| State | NY |
| Zip | 13440-8026 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Block | 2 |
| Legal Lot Number | 1.002 |
| Jurisdiction | ONEIDA NY |
| Township / Civil Division | WESTMORELAND |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 23000 |
6398 Lower Lawrence St is owned and occupied by two individuals.
Source: Oneida County and Westmoreland Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7398 LOWER LAWRENCE ST, ROME, NY 13440 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Sep 27, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance AMERICU CU |
| May 22, 2017 | Deed of Trust, Mortgage · Line of Credit AMERICU CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 6398 LOWER LAWRENCE ST, ROME, NY 13440-8026 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000011881 |
|---|---|
| Date | Sep 27, 2023 |
| Instrument | 2023-011881 |
| Name | AMERICU CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Oct 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 6398 LOWER LAWRENCE ST, ROME, NY 13440-8026 |
| Document Number | 0000007449 |
| Instrument Date | May 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 6, 2017 |
| Name | Verified Name |
|---|---|
| Address | 6398 LAWRENCE ST ROME NY 13440, ROME, NY 13440 |
| Document Number | 0000007449 |
|---|---|
| Date | May 24, 2017 |
| Instrument | 7449 |
| Name | AMERICU CU |
|---|---|
| Type | Credit Union |
| Address | ROME, NY 13440 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | May 23, 2042 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 6398 Lower Lawrence St was $4,731 with exemptions applied, up 3.3% from the year before.
Source: Oneida County and Westmoreland Town assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Oneida County |
| County Subdivision | Westmoreland Town |
| Unified School District | Westmoreland Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,731.00 (+3.27%) Homeowner's exemption Veteran's exemption | ||
| 2025 | $4,581.00 | $84,100 Land $11,000 Building $73,100 | $233,611 Land $30,556 Building $203,055 |
| 2023 | $84,100 (-) Land $11,000 Building $73,100 | $221,316 (+13.16%) Land $28,947 Building $192,369 | |
| 2022 | $907.00 Homeowner's exemption Veteran's exemption | $84,100 Land $11,000 Building $73,100 | $195,581 Land $25,581 Building $170,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6398 Lower Lawrence 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 6398 Lower Lawrence 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: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Starlink Satellite | 280 / 30 |
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