609 N Jay St, Rome, NY, 13440
About This Home
Packed with potential, this charming single-family home offers a unique opportunity for homeowners, investors, or anyone looking to create value through renovation. Previously configured with two-family living, the unfinished upstairs space provides the possibility of converting the property back into a two-unit residence, opening the door to excellent rental income potential. The electrical was updated to a 200 amp service in 2017, so that can be checked off of your list! Outside, the home shines with inviting curb appeal, highlighted by a welcoming covered front porch and a low-maintenance exterior, allowing you to focus your efforts on transforming the interior. The oversized three-stall garage is another standout feature, offering abundant storage, workshop space, or the potential for additional income-producing uses. Inside, the home is ready for your vision. While cosmetic updates are needed, the solid foundation and flexible layout create the perfect opportunity to customize the space to your style while building instant sweat equity. Renovate the upstairs apartment and let your tenant pay the mortgage, or connect the upstairs from the interior and enjoy the 4 bed/ 2 bath house all to yourself! Whether you’re searching for a primary residence with future income possibilities or your next investment project, this property is full of possibilities and ready for its next chapter. CITY TAXES INCLUDE: Unmetered water, sewer, garbage & green waste pick up!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1900
Materials
- Foundation: Stone
- Roof: Asphalt
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Two Story
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Electric Oven,Electric Range,Gas Water Heater,Refrigerator,Washer
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Full
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 1
- Main level bedrooms: 3
Features
- Eat-in Kitchen,Separate/Formal Living Room,Partially Furnished,Solid Surface Counters,Bedroom on Main Level,Main Level Primary
- Flooring: Carpet,Varies,Vinyl
Heating
- Heating features: Gas,Forced Air
Interior Area
- Total structure area: 1,718
- Total interior livable area: 1,718 sqft
Property
Details
- Parcel number: 30130122301900040800000000
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Patio & porch: Covered,Porch
- Exterior features: Blacktop Driveway
Lot
- Lot size: 9,583 sqft
- Features: Near Public Transit,Rectangular,Rectangular Lot,Residential Lot
- Lot size dimensions: 50 x 190
Parking
- Total spaces: 3
- Parking features: Detached,Garage
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Winter Weather
- Cold Wave
- Lightning
- Strong Wind
How This Home’s Risks Compare
FEMA Declared Disasters in Oneida County and New York
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $581 | $6,972 |
| Home Insurance * | $63 | $756 |
| Property Taxes | $165 | $1,980 |
| Electricity | $283 | $3,406 |
| Total | $1,092 | $13,104 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-01 | Price change | $115,000 |
| 2026-07-03 | Price change | $119,900 |
| 2026-06-15 | Price change | $129,900 |
| 2026-06-04 | Listed for sale | $139,900 |
| 2020-09-08 | Sold | $145,220 |
| 2017-03-30 | Sold | $74,500 |
| 2016-11-19 | Listed for sale | $74,500 |
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