42 Elm St, Peru, NY 12972 Property Records

Clinton County and Peru Town property record for 42 Elm St, Peru, NY 12972

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,296 sqft · built 1957
Lot Size	0.177 acres (7,725 sqft)
Owner	2 Individual Names on File
Last Sale	$157,500 (Jun 2020)
Tax Bill	$4,556 (2026)
Deeds & Mortgages	Jan 2026 Mortgage Jun 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`094000 280.1-8-25`

Property Details

APN / Parcel Number

Primary APN	`094000 280.1-8-25`
Alternative APN	`400028000100080250000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,296 sqft Living Area
1st Floor Area	864 sqft
Upper Floors Area	432 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	7,725 sqft (0.177 acres)
Lot Dimensions	75 ft deep x 103 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	680 sqft
Porch	Slab
Porch Area	294 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	42 ELM ST
City	PERU
State	NY
Zip	12972-2815
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PAT BELLS
Legal Block	8
Legal Lot Number	25.000
Jurisdiction	CLINTON NY
Township / Civil Division	PERU
Census Block Group	2
Census Block	2008
Census Tract	101901

Owner

42 Elm St is owned and occupied by two individuals who acquired it in December 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	42 ELM ST, PERU, NY 12972-2815
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Person

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
Jan 15, 2026	Quit Claim Deed, Transfer FREEDOM MORTGAGE CORP
Jun 9, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2020 · Amount on File
Deed Sale	Jun 9, 2020 · Amount on File
Deed Document Number	2020307926
Last Transfer Date	Dec 13, 2025
Transfer Doc	0000348515
Record Updated	Oct 29, 2026

January 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLINTON NY
Recording Date	Jan 15, 2026
Property Address	42 ELM ST, PERU, NY 12972-2815
Document Number	0000348515
Instrument Date	Dec 13, 2025
Instrument	2026-00348515
Transaction Type	Transfer
Record Updated	Feb 18, 2026

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	42 ELM ST, PERU, NY 12972-2815

Mortgage

Document Number	0000348516
Date	Jan 15, 2026
Instrument	2026-00348516

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLINTON NY
Recording Date	Jun 9, 2020
Property Address	42 ELM ST, PERU, NY 12972-2815
Document Number	2020000307926
Instrument Date	May 22, 2020
Instrument	20200-00307926
Transaction Type	Transfer
Record Updated	Jun 25, 2021

Transaction

Amount	Amount 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	15 HOLLAND AVE, PLATTSBURGH, NY 12901-1460

Tax Assessment & Valuation

The 2026 property tax bill for 42 Elm St was $4,556, up 167.4% 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	$4,556.00 (+167.37%)
2025	$1,704.00 (-65.99%)	$199,400 (-3.06%) Land $12,880 Building $186,520	$199,400 (-3.06%) Land $12,880 Building $186,520
2024	$5,011.00	$205,700 (+8.89%) Land $12,880 Building $192,820	$205,700 (+8.89%) Land $12,880 Building $192,820
2023		$188,900 Land $12,880 Building $176,020	$188,900 Land $12,880 Building $176,020

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

Flood

FEMA maps place 42 Elm St 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 42 Elm St is low, with less than 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 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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