CCertihomes
208 W Embargo Street, Rome, NY 13440

$179,000

4 beds 2 baths 2,616 sqft Built 19251 days on marketActive

About this home

This investment property is a goldmine of passive income! It’s got two apartments and nine garages that rent out for a steady stream of cash. Each apartment has a roomy kitchen, two cozy bedrooms, a comfy dining room, a relaxing living room, and a bright sun porch. The downstairs apartment is a real showstopper with its unique lighting and built-in features. You’ll find a built-in safe, a desk, and even built-in cabinetry in the bathroom. And get this - cedar-lined closets! Hardwood floors beneath carpets are present in the bedrooms, while the sunroom features French doors, original doors, hardware and moldings, and in an impressive layout. The upstairs apartment mirrors the layout of the first floor, including a sunroom, kitchen, dining room, living room, and two bedrooms. Each apartment has its own basement laundry room with washer and dryer hookups and laundry shoots connecting to the respective rooms. Currently, the upstairs apartment and a portion of the garages are rented out. Additionally, there is a loft area situated above several of the garages that can be rented out for further income generation. The exterior of the property requires attention, including repainting of the house and garages, as well as repairs to certain sections of the roof on the garages.

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
$2,881/mo

Real estate (PITI + HOA + PMI)
$2,018
Principal + interest$1,149
Property tax + insurance$802
PMI / 2nd mortgage$67
Utilities
$1,677
Heating + cooling$689
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$2,881/mo TLC
Budget$5,000/mo
Remaining after TLC$2,119/mo
Purchase price
$179,000
Down payment
$8,950 (5%)
Loan amount
$170,050
APR
7.15%

Quick facts

Type
MultiFamily
Style
Duplex
Year built
1925
Lot size
0.28 ac
Stories
0
Heating
Gas, Steam
Cooling
Water
Connected, Public
HOA
Annual tax
$6,383
MLS #
S1629359
County
Oneida

At a glance

Basement
Garage (9)

Home features

Appliances
GasWaterHeater
Interior
CedarClosetsCeilingFans
Exterior
Fence
Parking
PavedParkingAvailableTwoOrMoreSpacesGarageGarageDoorOpener
Flooring
Carpet, CeramicTile, Hardwood, Tile, Varies
Roof
Architectural, Shingle
Sewer
Connected

Lot features

IrregularLot, NearPublicTransit, 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 8/11/2025. Provided courtesy of Hunt Real Estate ERA Rome via Buffalo MLS. Information deemed reliable but not guaranteed.