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Single Family ResidenceResidential
$151,820$85 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 88How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

639 W THOMAS ST

ROME, NY 13440
5
Beds
2
Baths
1,776 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.11 ac
Lot SizeThe size of the land the home sits on, from county records.
1920
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$152K
$134K low$169K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$61,820
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$49,456
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.60%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$90,000
FIRST SOURCE FCU · recorded Sep 15, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,641 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$38,000 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$10,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$27,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$38,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$83,756

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.10 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Traditional/Old
CountyOneida
Lot (acres)The size of the land the home sits on, from county records.0.11
HeatingThe type of heating system in the home.Forced Air
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 260 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Gansevoort Elementary SchoolD+
Elementary · Grades KG–6 · 0.4 mi
M
Lyndon H Strough Middle SchoolD
Middle · Grades 7–8 · 0.4 mi
H
Rome Free AcademyC
High · Grades 9–12 · 2.7 mi

District: Rome City School District

Neighborhood · ZIP 13440These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.97
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.51

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.38,469
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.343 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$67,244
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80,505
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.45 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.46%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

639 W Thomas St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 83% of homes in Oneida County
  • Costs less per square foot than 90% of homes in Oneida County
  • Bigger than 65% of homes in Rome 13440
  • Has a smaller lot than 88% of homes in Rome 13440
  • Older than 73% of homes in Rome 13440

What homes are worth in Rome 13440

Each bar is how many homes fall in that price range. The marker is this home.

This home
$74K$448K

This home is worth more than 23% of homes in Rome 13440.

How it measures up in Rome 13440

The dot is this home. The mark in the middle is the typical home in Rome 13440.

Estimated value$151,820
CheaperTypical $199,000Pricier

Pricier than 23% of homes nearby

Price per ft²$85
CheaperTypical $143Pricier

Pricier than 13% of homes nearby

Living area1,776 ft²
SmallerTypical 1,526 ft²Bigger

Bigger than 65% of homes nearby

Lot size0.11 ac
SmallerTypical 0.29 acBigger

Bigger than 12% of homes nearby

Year built1920
OlderTypical 1950Newer

Newer than 27% of homes nearby

How 639 W Thomas St ranks against every home in each area.
MeasureThis homeRome 13440Oneida County
Estimated valuepricier than$151,82023% of homes17% of homes
Price per ft²pricier than$8513% of homes10% of homes
Living areabigger than1,776 ft²65% of homes61% of homes
Lot sizebigger than0.11 ac12% of homes12% of homes
Year builtnewer than192027% of homes28% of homes

About 639 W Thomas St

How much is 639 W Thomas St, Rome, NY worth?

The TopHap Estimate for 639 W Thomas St, Rome, NY is $151,820 as of Jul 14, 2026. The likely range is $134,174 to $169,466. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 639 W Thomas St, Rome, NY?

639 W Thomas St, Rome, NY has 5 bedrooms, 2 bathrooms, 1,776 square feet of living space and a 0.11-acre lot.

When was 639 W Thomas St, Rome, NY built?

639 W Thomas St, Rome, NY was built in 1920, making it 106 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 639 W Thomas St, Rome, NY?

639 W Thomas St, Rome, NY is assigned to Gansevoort Elementary School (elementary), rated D+; Lyndon H Strough Middle School (middle), rated D; Rome Free Academy (high), rated C. All sit in Rome City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 639 W Thomas St, Rome, NY compare to other homes in Rome 13440?

Among the 13,585 homes in Rome 13440, it is worth more than 23% of them ($151,820 against a typical $199,000), its price per square foot is higher than 13% of them ($85 against a typical $143), it is bigger than 65% of them (1,776 ft² against a typical 1,526 ft²), its lot is bigger than 12% of them (0.11 ac against a typical 0.29 ac) and it is newer than 27% of them (1920 against a typical 1950). Measured against all of Oneida County, it is worth more than 17% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 639 W Thomas St, Rome, NY?

The 2024 property tax bill for 639 W Thomas St, Rome, NY was $3,641. The county assessed it at $38,000.

Closest homes

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Assigned schools

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