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Single Family ResidenceResidential
$153,650$96 / 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

640 CHATHAM ST

ROME, NY 13440
3
Beds
1
Baths
1,608 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.
3,920 ft²
Lot SizeThe size of the land the home sits on, from county records.
1900
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

$154K
$135K low$172K 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.$93,650
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$74,920
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.38%
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.$60,000
AMERICU CU · R · recorded Jan 13, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,777 (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.$46,000 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$7,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$38,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$46,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$101,389

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.0.09
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 · 217 ft²

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

M
Lyndon H Strough Middle SchoolD
Middle · Grades 7–8 · 1.2 mi
E
Bellamy Elementary SchoolC-
Elementary · Grades KG–6 · 1.4 mi
H
Rome Free AcademyC
High · Grades 9–12 · 1.6 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

640 Chatham 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 82% of homes in Oneida County
  • Costs less per square foot than 87% of homes in Oneida County
  • Has a smaller lot than 95% of homes in Oneida County
  • Older than 84% 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
$75K$460K

This home is worth more than 24% 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$153,650
CheaperTypical $199,227Pricier

Pricier than 24% of homes nearby

Price per ft²$96
CheaperTypical $143Pricier

Pricier than 17% of homes nearby

Living area1,608 ft²
SmallerTypical 1,524 ft²Bigger

Bigger than 56% of homes nearby

Lot size3,920 ft²
SmallerTypical 0.29 acBigger

Bigger than 7% of homes nearby

Year built1900
OlderTypical 1950Newer

Newer than 16% of homes nearby

How 640 Chatham St ranks against every home in each area.
MeasureThis homeRome 13440Oneida County
Estimated valuepricier than$153,65024% of homes18% of homes
Price per ft²pricier than$9617% of homes13% of homes
Living areabigger than1,608 ft²56% of homes51% of homes
Lot sizebigger than3,920 ft²7% of homes5% of homes
Year builtnewer than190016% of homes18% of homes

About 640 Chatham St

How much is 640 Chatham St, Rome, NY worth?

The TopHap Estimate for 640 Chatham St, Rome, NY is $153,650 as of Jul 14, 2026. The likely range is $134,834 to $172,466. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 640 Chatham St, Rome, NY?

640 Chatham St, Rome, NY has 3 bedrooms, 1 bathrooms, 1,608 square feet of living space and a 0.09-acre lot.

When was 640 Chatham St, Rome, NY built?

640 Chatham St, Rome, NY was built in 1900, making it 126 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 640 Chatham St, Rome, NY?

640 Chatham St, Rome, NY is assigned to Lyndon H Strough Middle School (middle), rated D; Bellamy Elementary School (elementary), rated C-; 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 640 Chatham St, Rome, NY compare to other homes in Rome 13440?

Among the 13,584 homes in Rome 13440, it is worth more than 24% of them ($153,650 against a typical $199,227), its price per square foot is higher than 17% of them ($96 against a typical $143), it is bigger than 56% of them (1,608 ft² against a typical 1,524 ft²), its lot is bigger than 7% of them (3,920 ft² against a typical 0.29 ac) and it is newer than 16% of them (1900 against a typical 1950). Measured against all of Oneida County, it is worth more than 18% 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 640 Chatham St, Rome, NY?

The 2024 property tax bill for 640 Chatham St, Rome, NY was $2,777. The county assessed it at $46,000.

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Assigned schools

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