12 Ratcliffe Dr, Peru, NY 12972 Property Records

Clinton County and Peru Town property record for 12 Ratcliffe Dr, Peru, NY 12972

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,812 sqft · built 1988
Lot Size	1.68 acres (73,181 sqft)
Owner	2 Individual Names on Record
Last Sale	$145,000 (Oct 2005)
Tax Bill	$1,587 (2025)
Deeds & Mortgages	May 2022 Refinance Mar 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`094000 269.-3-17`

Property Details

APN / Parcel Number

Primary APN	`094000 269.-3-17`
Alternative APN	`400026900000030170000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,812 sqft Living Area
1st Floor Area	1,236 sqft
Basement Area	576 sqft
Finished Basement	576 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Raised Ranch
Lot Area	73,181 sqft (1.68 acres)
Garage Type	Attached
Garage Area	784 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	640 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	12 RATCLIFFE DR
City	PERU
State	NY
Zip	12972-5346
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIV MAP BK 15 PG 138 L
Legal Block	3
Legal Lot Number	17.000
Jurisdiction	CLINTON NY
Township / Civil Division	PERU
Census Block Group	1
Census Block	1019
Census Tract	101901

Owner

Source: Clinton County and Peru Town records, as of April 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12 RATCLIFFE DR, PERU, NY 12972-5346
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance TD BANK NA
Mar 28, 2019	Deed of Trust, Mortgage · Line of Credit TD BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2005 · Amount on Record
Deed Sale	Oct 21, 2005 · Amount on Record
Deed Book / Page	20051 / 88282
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON NY
Property Address	12 RATCLIFFE DR, PERU, NY 12972-5346
Transaction Type	Mortgage
Record Updated	Jun 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000324393
Date	May 12, 2022
Instrument	20220-00324393

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2037

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON NY
Property Address	12 RATCLIFFE DR, PERU, NY 12972-5346
Document Number	0000300515
Instrument Date	Mar 28, 2019
Transaction Type	Mortgage
Record Updated	May 24, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 RATCLIFFE DR PERU NY 129725346, PERU, NY 12972-5346

Mortgage

Document Number	0000300515
Date	Apr 24, 2019
Instrument	300515

Lender

Name	TD BK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 23, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Clinton County and Peru Town assessment roll, as of March 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Clinton County
County Subdivision	Peru Town
Unified School District	Peru Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,587.00	$286,100 (+14.76%) Land $37,800 Building $248,300	$286,100 (+14.76%) Land $37,800 Building $248,300
2023		$249,300 Land $37,800 Building $211,500	$249,300 Land $37,800 Building $211,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 20, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fiber	980 / 880

Cell Coverage

5G and 4G LTE (outdoors only)

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