454 Lapham Mills Rd, Peru, NY 12972 Property Records

Clinton County and Peru Town property record for 454 Lapham Mills Rd, Peru, NY 12972

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 892 sqft · built 1940
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (Jul 2020)
Tax Bill	$2,213 (2026)
Deeds & Mortgages	Dec 2022 Refinance Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`094000 270.-1-22.1`

Property Details

APN / Parcel Number

Primary APN	`094000 270.-1-22.1`
Alternative APN	`400027000000010220010000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	892 sqft Living Area
1st Floor Area	892 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cottage
Exterior Material	Wood
Lot Area	43,560 sqft (1 acres)
Porch	Porch
Porch Area	140 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	454 LAPHAM MILLS RD
City	PERU
State	NY
Zip	12972-5030
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PAT BELLS
Legal Block	1
Legal Lot Number	22.001
Jurisdiction	CLINTON NY
Township / Civil Division	PERU
Census Block Group	1
Census Block	1005
Census Tract	101902

Owner

454 Lapham Mills Rd is owned and occupied by an individual who bought it in July 2020.

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

Owner of Record	Individual Name on File
Mailing Address	454 LAPHAM MILLS RD, PERU, NY 12972-5030
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 13, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED STATES OF AMERICA
Jul 15, 2020	Warranty Deed, Transfer CROSSCOUNTRY MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2020 · Amount on File
Deed Sale	Jul 15, 2020 · Amount on File
Prior Sale	Sep 21, 2010 · Amount on File
Deed Document Number	2020308719
Prior Transfer Date	Jul 15, 2011
Prior Transfer Doc	0000020112/000004181
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON NY
Property Address	454 LAPHAM MILLS RD, PERU, NY 12972-5030
Transaction Type	Mortgage
Record Updated	Jan 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000328940
Date	Dec 13, 2022
Instrument	20220-00328940

Lender

Name	UNITED STATES OF AMERICA

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	337 Months
Due	Jan 1, 2051

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLINTON NY
Recording Date	Jul 15, 2020
Property Address	454 LAPHAM MILLS RD, PERU, NY 12972-5030
Document Number	0000308719
Instrument Date	Jul 6, 2020
Instrument	308719
Transaction Type	Transfer
Record Updated	Aug 6, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	454 LAPHAM MILLS RD PERU NY 129725030, PERU, NY 12972-5030

Mortgage

Document Number	308720
Date	Jul 15, 2020
Instrument	308720

Lender

Name	CROSSCOUNTRY MTG
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 14, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 454 Lapham Mills Rd was $2,213, up 268.8% 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	$2,213.00 (+268.83%)
2025	$600.00	$108,200 Land $41,500 Building $66,700	$108,200 Land $41,500 Building $66,700
2023		$89,300 Land $36,500 Building $52,800	$89,300 Land $36,500 Building $52,800

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

Flood

FEMA maps place 454 Lapham Mills Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 454 Lapham Mills 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 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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