CCertihomes
103 W Garden Street, Rome, NY 13440

$320,000

6 beds 3 baths 3,341 sqft Built 190334 days on marketActive

About this home

Welcome to over 3, 300 square feet of historic charm with this stunning 1903-built gem, centrally located in the City of Rome. From its striking wraparound porch with elegant French doors to the exquisite craftsmanship found throughout, this home is truly one of a kind. A grand cathedral-style foyer welcomes you with a beautiful staircase that sets the tone for the character and detail found in every room. The home offers flexible living space with the potential for up to six bedrooms—including a first-floor den that could serve as a bedroom, and five bedrooms on the second floor, one perfect as a home office. Gleaming hardwood floors, four stately fireplaces, and original woodwork showcase the home’s timeless appeal. The formal dining room is ideal for gatherings, and the spacious basement features a dedicated billiards room complete with pool table. A built-in Hoosier-style cabinet enhances the first-floor laundry room. Outside, enjoy a partially fenced yard perfect for entertaining or relaxing. More pics to come! New furnace/tankless hot water heater Updated Primary bathroom Updated plumbing New spray foam insulation in attic Several rooms newly painted

Affordability — calculate your monthly payment

Adjust your budget to see what's left after housing, utilities and transportation. Numbers below assume a 5% down, 30YrFixed at 7.15% APR.

Your estimated payment
$4,286/mo

Real estate (PITI + HOA + PMI)
$3,308
Principal + interest$2,053
Property tax + insurance$1,135
PMI / 2nd mortgage$120
Utilities
$2,013
Heating + cooling$857
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$4,286/mo TLC
Budget$5,000/mo
Remaining after TLC$714/mo
Purchase price
$320,000
Down payment
$16,000 (5%)
Loan amount
$304,000
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
TwoStory
Year built
1903
Lot size
0.35 ac
Stories
2
Heating
Gas, Radiators
Cooling
Water
Connected, Public
HOA
Annual tax
$8,505
MLS #
S1613847
County
Oneida

At a glance

Basement
Garage (1)

Home features

Appliances
DishwasherFreeStandingRangeGasWaterHeaterOvenRefrigeratorTanklessWaterHeater
Interior
BreakfastAreaDenSeparateFormalDiningRoomEntranceFoyerSeparateFormalLivingRoomCountryKitchenPantryBathInPrimaryBedroom
Exterior
BlacktopDriveway
Parking
DetachedGarage
Flooring
Hardwood, Varies
Sewer
Connected

Lot features

IrregularLot, ResidentialLot

Neighborhood — 13440

MetricThis ZIPCountyUSA
Population32,05219,351,094299,088,112
Population Change Since1990-29.00%8.00%20.00%
Population Density260395
Male15,6139,381,926147,432,321
Female16,4399,969,168151,655,844
Never Married7,4144,946,39163,775,926
Married12,0447,166,701123,120,365
Separated1,6191,159,67312,639,686
Widowed2,5691,110,24515,467,586
Divorced2,7541,210,44823,075,029
Number Of House Hold12,5327,102,016111,826,380
Average House Hold Size2.442.642.60
Medial Age38.7236.5335.46
Median House Hold Income$38,084$49,847$48,276
Average House Hold Income$48,394$70,032$63,629
P C I$19,680$26,569$24,529
M D I$33,405$42,210$41,133
A T H E$42,693$54,185$50,898
S T R9.00%4.00%
W C J78.64%81.55%77.74%
(Zip) Code
13440

Data via Certihomes neighborhood index. Comparisons across this ZIP, county and the United States.

Map & walkability

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Listing information last refreshed 6/10/2025. Provided courtesy of Homes Realty of Northern New York via Buffalo MLS. Information deemed reliable but not guaranteed.