492 E Main St, Peru, IN 46970 Property Records

Miami County property record for 492 E Main St, Peru, IN 46970

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,154 sqft · built 1964
Lot Size	0.171 acres (7,472 sqft)
Owner	Individual Name on Record
Last Sale	$146,570 (Jan 2022)
Tax Bill	$1,692 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Jan 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`021-28032-00`

Property Details

APN / Parcel Number

Primary APN	`021-28032-00`
Alternative APNs	`52-08-27-104-028.000-016` `00310346926`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,154 sqft Living Area
1st Floor Area	3,154 sqft
Attic	Attic
Attic Area	312 sqft
Basement Area	78 sqft
Unfinished Basement	78 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	7,472 sqft (0.171 acres)
Lot Dimensions	133 ft deep x 56 ft wide
Terrain	High
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00310346926
Street Address	492 E MAIN ST
City	PERU
State	IN
Zip	46970-2520
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DEIBERTS ADD LOT 24 & KENWOOD ADD 10' W SD LOT 1 41 280 32000
Legal Subdivision	KENWOOD ADDITION
Legal Lot Number	24,1
Jurisdiction	MIAMI IN
Township / Civil Division	PERU
Census Block Group	1
Census Block	1013
Census Tract	952400

Owner

Source: Miami County records, as of June 22, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	492 E MAIN ST, PERU, IN 46970-2520
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2019	Deed of Trust, Mortgage HOMETOWN FCU
Jan 20, 2022	Re-recorded Document · VA Mortgage VANDERBILT MORTGAGE & FINANCE INC
Sep 1, 2021	Warranty Deed, Transfer · VA Mortgage VANDERBILT MORTGAGE & FINANCE INC
Nov 20, 2017	Warranty Deed, Transfer HOMETOWN FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 20, 2022 · Amount on Record
Deed Sale	Jan 20, 2022 · Amount on Record
Prior Sale	Sep 1, 2021 · Amount on Record
Deed Document Number	2022520381
Record Updated	Sep 20, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI IN
Property Address	492 E MAIN ST, PERU, IN 46970-2520
Transaction Type	Mortgage
Record Updated	Aug 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20190523788
Date	Sep 17, 2019
Instrument	20190523788

Lender

Name	HOMETOWN FCU
Type	Credit Union
Address	PERU, IN 46970

Agreement

Amount	Amount Recorded
Term	179 Months
Due	Aug 15, 2034

January 2022: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	MIAMI IN
Recording Date	Jan 20, 2022
Property Address	492 E MAIN ST, PERU, IN 46970-2520
Document Number	20220520381
Instrument Date	Aug 26, 2021
Instrument	20220520381
Record Updated	Aug 16, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	IN

Mortgage

Document Number	20220520382
Date	Jan 20, 2022
Instrument	20220520382

Lender

Name	VANDERBILT MORTGAGE & FINANCE INC
Type	Mortgage Company
Address	ATLANTA, GA 30361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Sep 1, 2051

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI IN
Recording Date	Sep 1, 2021
Property Address	492 E MAIN ST, PERU, IN 46970-2520
Document Number	20210524294
Instrument Date	Aug 26, 2021
Instrument	20210524294
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	IN

Mortgage

Document Number	20210524295
Date	Sep 1, 2021
Instrument	20210524295

Lender

Name	VANDERBILT MORTGAGE & FINANCE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI IN
Recording Date	Nov 20, 2017
Property Address	492 E MAIN ST, PERU, IN 46970-2520
Document Number	20170525106
Instrument Date	Nov 14, 2017
Instrument	20170525106
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170525107
Date	Nov 20, 2017
Instrument	20170525107

Lender

Name	HOMETOWN FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Nov 15, 2032

Tax Assessment & Valuation

Source: Miami County assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Miami County
County Subdivision	Peru Township
Municipality	Peru City
Unified School District	Peru Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,692.00 (+24.23%) Homeowner's exemption	$184,700 (+41.53%) Land $6,200 Building $178,500	$184,700 (+41.53%) Land $6,200 Building $178,500
2024	$1,362.00 (+4.37%)
2023	$1,305.00 (-0.23%)	$130,500 (-0.23%) Land $6,200 Building $124,300	$130,500 (-0.23%) Land $6,200 Building $124,300
2022	$1,308.00 Homeowner's exemption	$130,800 Land $6,200 Building $124,600	$130,800 Land $6,200 Building $124,600

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 May 16, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1998 · rainfall accumulation

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	Not rated no burnable land within ember reach

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 WATER DEPARTMENT serves 11,417 people · EPA ID IN5252016
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	7 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 531 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Good Connections, Metronet, Verizon.

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