25 Elm St, Peru, NY 12972 Property Records

Clinton County and Peru Town property record for 25 Elm St, Peru, NY 12972

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,998 sqft · built 1926
Lot Size	0.546 acres (23,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$145,000 (Aug 2010)
Tax Bill	$5,846 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Jun 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`094000 280.1-8-54`

Property Details

APN / Parcel Number

Primary APN	`094000 280.1-8-54`
Alternative APN	`400028000100080540000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,998 sqft Living Area
1st Floor Area	1,092 sqft
2nd Floor Area	906 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	23,800 sqft (0.546 acres)
Lot Dimensions	350 ft deep x 68 ft wide
Garage Type	Detached
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	340 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	25 ELM ST
City	PERU
State	NY
Zip	12972-7717
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PAT BELLS
Legal Block	8
Legal Lot Number	54.000
Jurisdiction	CLINTON NY
Township / Civil Division	PERU
Census Block Group	2
Census Block	2007
Census Tract	101901

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	25 ELM ST, PERU, NY 12972-7717
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2025	Deed of Trust, Mortgage · Conventional Mortgage DANNEMORA FCU
Jun 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
Jul 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage DANNEMORA FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2010 · Amount on Record
Deed Sale	Aug 12, 2010 · Amount on Record
Prior Sale	Dec 10, 2003 · Amount on Record
Deed Book / Page	20102 / 34223
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON NY
Property Address	25 ELM ST, PERU, NY 12972-2814
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000347540
Date	Nov 18, 2025
Instrument	2025-00347540

Lender

Name	DANNEMORA FCU

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	145 Months
Due	Dec 1, 2037

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON NY
Property Address	25 ELM ST, PERU, NY 12972-2814
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021000317013
Date	Jun 29, 2021
Instrument	20210-00317013

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Jul 1, 2031

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON NY
Property Address	25 ELM ST, PERU, NY 12972-2814
Document Number	0000309282
Instrument Date	Jul 24, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	CLINTON ABSTRACT, CLINTON ABS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 ELM ST PERU NY 129722814, PERU, NY 12972-2814

Mortgage

Document Number	0000309282
Date	Aug 10, 2020
Instrument	309282

Lender

Name	DANNEMORA FCU
Address	DANNEMORA, NY 12929

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	144 Months
Due	Aug 9, 2032

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
2026	$5,846.00 (+167.31%) Homeowner's exemption
2025	$2,187.00	$255,900 (+18.53%) Land $16,100 Building $239,800	$255,900 (+18.53%) Land $16,100 Building $239,800
2023		$215,900 Land $16,100 Building $199,800	$215,900 Land $16,100 Building $199,800

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 · 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 91% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 116 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
T-Mobile Fixed Wireless	100 / 20

May also be available: SLICFiber.

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