903 Cayuga St, Rome, NY 13440 Property Records

Oneida County and Rome City property record for 903 Cayuga St, Rome, NY 13440

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,152 sqft · built 1920
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$154,500 (Aug 2026)
Tax Bill	$1,654 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Mar 2023 Refinance
Flood Zone	Zone X (minimal risk)
APN	`301301 243.054-2-15`

Property Details

APN / Parcel Number

Primary APN	`301301 243.054-2-15`
Alternative APNs	`130124305400020150000000` `301301 243.054-0002-015` `01465 01`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	768 sqft
Upper Floors Area	384 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Concrete
Lot Area	6,970 sqft (0.16 acres)
Lot Width	63 ft Width
Porch	Slab
Porch Area	32 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	01465 01
Street Address	903 CAYUGA ST
City	ROME
State	NY
Zip	13440-5501
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	HL 77X100
Legal Block	2
Legal Lot Number	15.000
Jurisdiction	ONEIDA NY
Township / Civil Division	ROME
Census Block Group	4
Census Block	4003
Census Tract	22500

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	Individual Name on Record
Mailing Address	610 W SYCAMORE ST, ROME, NY 13440-2632
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2026	Warranty Deed, Transfer · Stand-Alone First Mortgage GENESEE REGIONAL BANK
Mar 20, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance AMERICU CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2026 · Amount on Record
Deed Sale	Aug 28, 2026 · Amount on Record
Prior Sale	Apr 29, 2003 · Amount on Record
Deed Document Number	20262026-011495
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONEIDA NY
Recording Date	Aug 28, 2026
Property Address	903 CAYUGA ST, ROME, NY 13440-5501
Document Number	0000011495
Instrument Date	Aug 18, 2026
Instrument	202611495
Transaction Type	Transfer
Record Updated	Sep 15, 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
Address	610 W SYCAMORE ST, ROME, NY 13440-2632

Mortgage

Date	Aug 28, 2026

Lender

Name	GENESEE REGIONAL BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Max Rate	-1%

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	903 CAYUGA ST, ROME, NY 13440-5501
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003504
Date	Mar 20, 2023
Instrument	2023-003504

Lender

Name	AMERICU CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2043

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	$1,654.00
2025		$35,200 (-) Land $8,100 Building $27,100	$82,824 (+6.75%) Land $19,059 Building $63,765
2024		$35,200 (-) Land $8,100 Building $27,100	$77,584 (+0.02%) Land $17,853 Building $59,731
2023		$35,200 (-) Land $8,100 Building $27,100	$77,567 (+17.92%) Land $17,849 Building $59,718
2022	$3,004.00	$35,200 Land $8,100 Building $27,100	$65,782 Land $15,137 Building $50,645

Assessed value is set for property tax purposes, not a market price estimate; it is 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	1 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 93% of the US · lower than 89% 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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