3 Reservoir Rd, Peru, NY 12972 Property Records

Clinton County and Peru Town property record for 3 Reservoir Rd, Peru, NY 12972

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,800 sqft · built 1983
Lot Size	1.3 acres (56,628 sqft)
Owner	2 Trust Names on File
Tax Bill	$5,353 (2026)
Deeds & Mortgages	Feb 2024 Mortgage Aug 2022 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`094000 279.-2-31.3`

Property Details

APN / Parcel Number

Primary APN	`094000 279.-2-31.3`
Alternative APN	`400027900000020310030000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,800 sqft Living Area
1st Floor Area	1,800 sqft
Game Room	Game Room

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	56,628 sqft (1.3 acres)
Garage Type	Mixed
Garage Area	1,500 sqft
Parking Spaces	6 Parking Spaces
Porch	Slab
Porch Area	794 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3 RESERVOIR RD
City	PERU
State	NY
Zip	12972-4545
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 32
Legal Block	2
Legal Lot Number	31.003
Jurisdiction	CLINTON NY
Township / Civil Division	PERU
Census Block Group	4
Census Block	4034
Census Tract	101901

Owner

3 Reservoir Rd is owner-occupied and held in a trust since September 2021.

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 Trust Names on File
Mailing Address	3 RESERVOIR RD, PERU, NY 12972-4545
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) ROCKET MORTGAGE
Aug 23, 2022	Quit Claim Deed, Transfer · Stand-Alone Refinance ROCKET MORTGAGE
Aug 23, 2022	Quit Claim Deed, Transfer Quitclaim
Aug 19, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance QUICKEN LOANS INC
Aug 19, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 16, 2021
Transfer Doc	0000326690
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON NY
Property Address	3 RESERVOIR RD, PERU, NY 12972-4545
Transaction Type	Mortgage
Record Updated	Mar 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000336006
Date	Feb 12, 2024
Instrument	20240-00336006

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2044

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLINTON NY
Recording Date	Aug 23, 2022
Property Address	3 RESERVOIR RD, PERU, NY 12972-4545
Document Number	0000326688
Instrument Date	Sep 16, 2021
Instrument	20220-00326688
Transaction Type	Transfer
Record Updated	Sep 13, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 RESERVOIR RD, PERU, NY 12972-4545

Mortgage

Document Number	0000326689
Date	Aug 23, 2022
Instrument	20220-00326689

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Sep 1, 2051

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLINTON NY
Recording Date	Aug 23, 2022
Property Address	3 RESERVOIR RD, PERU, NY 12972-4545
Document Number	0000326690
Instrument Date	Sep 16, 2021
Instrument	20220-00326690
Transaction Type	Transfer
Record Updated	Sep 13, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3 RESERVOIR RD, PERU, NY 12972-4545

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLINTON NY
Recording Date	Aug 19, 2021
Property Address	3 RESERVOIR RD, PERU, NY 12972-4545
Document Number	2021000318371
Instrument Date	Dec 1, 2020
Instrument	20210-00318371
Transaction Type	Transfer
Record Updated	Sep 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 RESERVOIR RD, PERU, NY 12972-4545

Mortgage

Document Number	2021000318372
Date	Aug 19, 2021
Instrument	20210-00318372

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	169 Months
Due	Sep 1, 2035

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLINTON NY
Recording Date	Aug 19, 2021
Property Address	3 RESERVOIR RD, PERU, NY 12972-4545
Document Number	2021000318373
Instrument Date	Dec 1, 2020
Instrument	20210-00318373
Transaction Type	Transfer
Record Updated	Sep 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3 RESERVOIR RD, PERU, NY 12972-4545

Tax Assessment & Valuation

The 2026 property tax bill for 3 Reservoir Rd was $5,353 with exemptions applied, up 293% 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	$5,353.00 (+293.02%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption
2025	$1,362.00	$269,000 Land $42,000 Building $227,000	$269,000 Land $42,000 Building $227,000
2023		$253,200 Land $37,000 Building $216,200	$253,200 Land $37,000 Building $216,200

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

Flood

FEMA maps place 3 Reservoir Rd in Zone X, an area of minimal flood risk.

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
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 3 Reservoir Rd 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	Direct burnable vegetation

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 25 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 (outdoors only) and 4G LTE

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