CCertihomes
638 Chatham Street, Rome, NY 13440

$169,900

3 beds 2 baths 1,449 sqft Built 19401 days on marketActive

About this home

Discover a charming bungalow-style home in the heart of Rome, offering 3 bedrooms, 2 full UPDATED baths, UPDATED mechanics and a versatile (partially) finished basement perfect for a home office, playroom, or guest suite. The space within is a sight to behold - ample room to grow, enjoy and live! With 1, 449 sq ft of living space, this residence blends classic appeal with modern updates. Step onto a sprawling front porch, an inviting spot to relax and enjoy the neighborhood, or unwind after a long day. Inside, light-filled rooms and neutral tones create a warm, move-in-ready atmosphere. The first floor features a formal dining room, full bathroom, living room, eat-in kitchen while the upstairs offers 3 bedrooms and one updated full bathroom. A flexible floor plan within! The kitchen provides generous counter space, abundant cabinetry, and updated flooring, while the adjacent dining area flows seamlessly into the living room for easy entertaining. Both bathrooms are refreshed, and the finished lower-level features cozy knotty pine walls and plush carpeting. Outside, a low-maintenance backyard includes a fenced rear section, storage shed, and paved driveway. Property Updates include but are not limited to: BRAND NEW forced air gas furnace, NEWER hot water tank (2024), FRESHLY painted front porch (2025), replacement flooring (both levels), fresh sheetrock and (some) paint upstairs (2025). Located near shopping, 8 minutes away from the Griffiss Business and Technology Park, a thriving Downtown Rome, dining, and municipal parks - this home offers comfort, style, and convenience in one well-cared-for package!

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
$2,288/mo

Real estate (PITI + HOA + PMI)
$1,713
Principal + interest$1,090
Property tax + insurance$559
PMI / 2nd mortgage$64
Utilities
$1,095
Heating + cooling$398
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$2,288/mo TLC
Budget$5,000/mo
Remaining after TLC$2,712/mo
Purchase price
$169,900
Down payment
$8,495 (5%)
Loan amount
$161,405
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Bungalow
Year built
1940
Lot size
0.09 ac
Stories
0
Heating
Gas, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$4,167
MLS #
S1628743
County
Oneida

At a glance

Basement

Home features

Appliances
DishwasherElectricOvenElectricRangeGasWaterHeaterRefrigerator
Interior
CeilingFansSeparateFormalDiningRoomEatInKitchen
Exterior
BlacktopDrivewayFullyFenced
Parking
NoGarage
Flooring
Carpet, Laminate, LuxuryVinyl, Varies
Roof
Asphalt, Metal
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 8/9/2025. Provided courtesy of River Hills Properties LLC Barn via Buffalo MLS. Information deemed reliable but not guaranteed.