706 W Thomas St, Rome, NY 13440 Property Records

Oneida County and Rome City property record for 706 W Thomas St, Rome, NY 13440

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,062 sqft · built 1910
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$212,500 (Aug 2024)
Tax Bill	$3,561 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Aug 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`301301 223.018-3-76`

Property Details

APN / Parcel Number

Primary APN	`301301 223.018-3-76`
Alternative APNs	`130122301800030760000000` `301301 223.018-0003-076` `40045 05`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,062 sqft Living Area
1st Floor Area	1,707 sqft
Upper Floors Area	355 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	12,197 sqft (0.28 acres)
Lot Width	126 ft Width
Garage Type	Detached
Garage Area	549 sqft
Parking Spaces	2 Parking Spaces
Patio Area	80 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	40045 05
Street Address	706 W THOMAS ST
City	ROME
State	NY
Zip	13440-3106
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	HGL 50X121
Legal Block	3
Legal Lot Number	76.000
Jurisdiction	ONEIDA NY
Township / Civil Division	ROME
Census Block Group	1
Census Block	1011
Census Tract	22100

Owner

706 W Thomas St is owned by an individual who bought it in August 2024.

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

Owner of Record	Individual Name on File
Mailing Address	907 ROOSEVELT AVE, ROME, NY 13440-5425
Owner Type	Individual
Vesting	Individual(s)

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
Jul 9, 2026	Deed of Trust, Mortgage · Line of Credit FIRST SOURCE FEDERAL CREDIT UNION
Aug 19, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST SOURCE FEDERAL CREDIT UNION
Dec 12, 2023	Deed, Transfer
Feb 2, 2023	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2024 · Amount on File
Deed Sale	Aug 19, 2024 · Amount on File
Prior Sale	Dec 12, 2023 · Amount on File
Deed Document Number	20249560
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Recording Date	Jul 9, 2026
Property Address	706 W THOMAS ST, ROME, NY 13440-3106
Document Number	0000008995
Instrument Date	Jul 3, 2026
Instrument	20268995
Transaction Type	Mortgage
Record Updated	Jul 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	706 W THOMAS ST, ROME, NY 13440-3106

Mortgage

Document Number	0000008995,
Date	Jul 9, 2026
Instrument	20268995

Lender

Name	FIRST SOURCE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	73 Months
Due	Aug 1, 2032

Interest

Rate Type	Adjustable Rate
Rate	6.48%
Initial Type	Adjustable Rate
Max Rate	-1%

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONEIDA NY
Recording Date	Aug 19, 2024
Property Address	706 W THOMAS ST, ROME, NY 13440-3106
Document Number	0000009560
Instrument Date	Aug 16, 2024
Instrument	2024-009560
Transaction Type	Transfer
Record Updated	Apr 23, 2026

Transaction

Amount	Amount on Record
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
Address	907 ROOSEVELT AVE, ROME, NY 13440-5425

Mortgage

Document Number	0000009561
Date	Aug 19, 2024
Instrument	2024-009561

Lender

Name	FIRST SOURCE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Sep 1, 2031
Max Rate At Change	2.75%
Index	Other

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ONEIDA NY
Recording Date	Dec 12, 2023
Property Address	706 W THOMAS ST, ROME, NY 13440-3106
Document Number	0000015378
Instrument Date	Nov 24, 2023
Instrument	2023-015378
Transaction Type	Transfer
Record Updated	Apr 23, 2026

Transaction

Amount	Amount 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
Address	112 VIBUMUM LN, NEW HARTFORD, NY 13413

February 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ONEIDA NY
Recording Date	Feb 2, 2023
Property Address	706 W THOMAS ST, ROME, NY 13440-3106
Document Number	0000001823
Instrument Date	Dec 7, 2022
Instrument	2023-001823
Transaction Type	Transfer
Record Updated	Apr 23, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3217 DECKER LAKE DR, SALT LAKE CITY, UT 84119-3284
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 706 W Thomas St was $3,561.

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	$3,561.00
2025		$75,800 Land $13,600 Building $62,200	$178,353 Land $32,000 Building $146,353
2023		$75,800 (-) Land $13,600 Building $62,200	$167,034 (+17.92%) Land $29,969 Building $137,065
2022	$4,577.00 Homeowner's exemption	$75,800 Land $13,600 Building $62,200	$141,656 Land $25,416 Building $116,240

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

FEMA maps place 706 W Thomas St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 706 W Thomas 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	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.

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