438 Lapham Mills Rd, Peru, NY 12972 Property Records

Clinton County and Peru Town property record for 438 Lapham Mills Rd, Peru, NY 12972

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,329 sqft · built 1955
Lot Size	0.665 acres (29,000 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,121 (2026)
Deeds & Mortgages	Aug 2023 Transfer Feb 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`094000 270.-1-24.1`

Property Details

APN / Parcel Number

Primary APN	`094000 270.-1-24.1`
Alternative APN	`400027000000010240010000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,329 sqft Living Area
1st Floor Area	1,329 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	29,000 sqft (0.665 acres)
Lot Dimensions	200 ft deep x 145 ft wide
Porch	Porch
Porch Area	402 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	438 LAPHAM MILLS RD
City	PERU
State	NY
Zip	12972-5030
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 BELLS PATENT
Legal Block	1
Legal Lot Number	24.001
Jurisdiction	CLINTON NY
Township / Civil Division	PERU
Census Block Group	1
Census Block	1005
Census Tract	101902

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	438 LAPHAM MILLS RD, PERU, NY 12972-5030
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2023	Quit Claim Deed, Transfer Quitclaim
Feb 28, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 20, 2023
Transfer Doc	0000333228
Record Updated	Oct 29, 2026

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLINTON NY
Recording Date	Aug 28, 2023
Property Address	438 LAPHAM MILLS RD, PERU, NY 12972-5030
Document Number	0000333228
Instrument Date	Jun 20, 2023
Instrument	20230-00333228
Transaction Type	Transfer
Record Updated	Sep 19, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	438 LAPHAM MILLS RD, PERU, NY 12972-5030

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON NY
Property Address	438 LAPHAM MILLS RD, PERU, NY 12972-5030
Transaction Type	Mortgage
Record Updated	Mar 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000322895
Date	Feb 28, 2022
Instrument	20220-00322895

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

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	$3,121.00 (+268.91%)
2025	$846.00	$152,600 (+7.01%) Land $34,700 Building $117,900	$152,600 (+7.01%) Land $34,700 Building $117,900
2023		$142,600 (+10.12%) Land $26,900 Building $115,700	$142,600 (+10.12%) Land $26,900 Building $115,700
2022		$129,500 Land $21,900 Building $107,600	$129,500 Land $21,900 Building $107,600

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber	980 / 880

Cell Coverage

4G LTE (outdoors only), no 5G reported

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