120 W 3rd St, Peru, IN 46970 Property Records

Miami County property record for 120 W 3rd St, Peru, IN 46970

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,240 sqft · built 1890
Lot Size	0.155 acres (6,732 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,613 (2025)
Deeds & Mortgages	Oct 2025 Transfer Oct 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`021-05654-00`

Property Details

APN / Parcel Number

Primary APN	`021-05654-00`
Alternative APNs	`52-08-27-302-333.000-016` `02140721073`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,240 sqft Living Area
1st Floor Area	2,240 sqft
Attic	Attic
Attic Area	536 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1959
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	6,732 sqft (0.155 acres)
Lot Dimensions	132 ft deep x 51 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	02140721073
Street Address	120 W 3RD ST
City	PERU
State	IN
Zip	46970-2151
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	021-05654-00 ORIGINAL PLAT 51 E SD LOT 198 41 056 54000
Legal Subdivision	ORIGINAL TO THE CITY OF P
Legal Lot Number	198
Jurisdiction	MIAMI IN
Township / Civil Division	PERU
Census Block Group	1
Census Block	1022
Census Tract	952300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Peru Westside Historic District listed 2023 · 194 contributing resources · NRIS 100009296

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

120 W 3rd St is owned and occupied by two individuals who acquired it in October 2025.

Source: Miami County records, as of June 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	120 W 3RD ST, PERU, IN 46970-2151
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2025	Transfer on Death Deed, Transfer
Oct 14, 2025	Quit Claim Deed, Transfer Quitclaim
Oct 25, 2017	Deed of Trust, Mortgage · Line of Credit KEY BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2025
Deed Sale	Oct 14, 2025
Deed Document Number	2025524096
Prior Transfer Date	Oct 9, 2025
Prior Transfer Doc	20250524097
Record Updated	Sep 20, 2026

October 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MIAMI IN
Recording Date	Oct 14, 2025
Property Address	120 W 3RD ST, PERU, IN 46970-2151
Document Number	20250524097
Instrument Date	Oct 9, 2025
Instrument	20250524097
Transaction Type	Transfer
Record Updated	Oct 29, 2025

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	120 W 3RD ST, PERU, IN 46970-2151

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MIAMI IN
Recording Date	Oct 14, 2025
Property Address	120 W 3RD ST, PERU, IN 46970-2151
Document Number	20250524096
Instrument Date	Oct 9, 2025
Instrument	20250524096
Transaction Type	Transfer
Record Updated	Oct 29, 2025

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 W 3RD ST, PERU, IN 46970-2151

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI IN
Property Address	120 W 3RD ST, PERU, IN 46970-2151
Transaction Type	Mortgage
Record Updated	Nov 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 20170524754
Date	Oct 25, 2017
Instrument	20170524754

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44144

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 11, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 120 W 3rd St was $1,613 with a homeowner's exemption, up 8.2% from the year before.

Source: Miami County assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Miami County
County Subdivision	Peru Township
Municipality	Peru City
Unified School District	Peru Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,613.00 (+8.18%) Homeowner's exemption	$175,900 (+17.97%) Land $6,300 Building $169,600	$175,900 (+17.97%) Land $6,300 Building $169,600
2024	$1,491.00 (+3.25%) Homeowner's exemption	$149,100 (+3.25%) Land $6,300 Building $142,800	$149,100 (+3.25%) Land $6,300 Building $142,800
2023	$1,444.00 (+31.99%)	$144,400 Land $6,300 Building $138,100	$144,400 Land $6,300 Building $138,100
2022	$1,094.00

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

Flood

FEMA maps place 120 W 3rd St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 16, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 120 W 3rd St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PERU WATER DEPARTMENT serves 11,417 people · EPA ID IN5252016
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	7 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 658 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Good Connections, Metronet, Skyewaves.

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