19 Elm St, Peru, NY 12972 Property Records

Clinton County and Peru Town property record for 19 Elm St, Peru, NY 12972

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,064 sqft · built 1829
Lot Size	0.308 acres (13,440 sqft)
Owner	Individual Name on File
Last Sale	$255,000 (Jul 2025)
Tax Bill	$4,855 (2026)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Jun 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`094000 280.1-8-56`

Property Details

APN / Parcel Number

Primary APN	`094000 280.1-8-56`
Alternative APN	`400028000100080560000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,064 sqft Living Area
1st Floor Area	1,656 sqft
Upper Floors Area	408 sqft

Exterior

Year Built	Built 1829
Effective Year Built	Effective 1829
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	13,440 sqft (0.308 acres)
Lot Dimensions	168 ft deep x 80 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	224 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	19 ELM ST
City	PERU
State	NY
Zip	12972-2812
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	8
Legal Lot Number	56.000
Jurisdiction	CLINTON NY
Township / Civil Division	PERU
Census Block Group	2
Census Block	2007
Census Tract	101901

Owner

19 Elm St is owned by an individual who bought it in July 2025.

Source: Clinton County and Peru Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	1689 S ZEPHYR CT, LAKEWOOD, CO 80232-6755
Owner Type	Individual
Vesting	Individual(s)

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
Jul 15, 2025	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jun 7, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage GLEN FALLS NATIONAL BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2025 · Amount on File
Deed Sale	Jul 15, 2025 · Amount on File
Prior Sale	Jun 7, 2024 · Amount on File
Record Updated	Oct 29, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLINTON NY
Recording Date	Jul 15, 2025
Property Address	19 ELM ST, PERU, NY 12972-2812
Document Number	0000345106
Instrument Date	Jul 11, 2025
Instrument	2025-00345106
Transaction Type	Transfer
Record Updated	Mar 30, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1689 S ZEPHYR CT, LAKEWOOD, CO 80232-6755

Mortgage

Document Number	0000345107
Date	Jul 15, 2025
Instrument	2025-00345107

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLINTON NY
Recording Date	Jun 7, 2024
Property Address	19 ELM ST, PERU, NY 12972-2812
Document Number	0000338005
Instrument Date	Jun 6, 2024
Instrument	20240-00338005
Transaction Type	Transfer
Record Updated	Mar 30, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 181, DANNEMORA, NY 12929-0181

Mortgage

Document Number	24000338006
Date	Jun 7, 2024
Instrument	240-00338006

Lender

Name	GLEN FALLS NATIONAL BANK & TRUST CO

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 19 Elm St was $4,855, up 167.3% from the year before.

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
2026	$4,855.00 (+167.35%)
2025	$1,816.00	$212,500 Land $15,900 Building $196,600	$212,500 Land $15,900 Building $196,600
2023		$184,800 Land $15,900 Building $168,900	$184,800 Land $15,900 Building $168,900

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

Flood

FEMA maps place 19 Elm St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 20, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 19 Elm St is low, with a 0.01% annual chance of 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

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 WD serves 2,700 people · EPA ID NY0900216
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	9 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 262 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: SLICFiber, Westelcom Networks.

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