514 N Wayne St, Peru, IN 46970 Property Records

Miami County property record for 514 N Wayne St, Peru, IN 46970

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 900 sqft · built 1950
Lot Size	0.152 acres (6,600 sqft)
Owner	2 Individual Names on File
Last Sale	$133,780 (Nov 2024)
Tax Bill	$1,114 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`021-58211-00`

Property Details

APN / Parcel Number

Primary APN	`021-58211-00`
Alternative APNs	`52-08-22-403-012.000-016` `00116630828`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	900 sqft Living Area
1st Floor Area	900 sqft
Basement Area	540 sqft
Finished Basement	392 sqft
Unfinished Basement	540 sqft
Game Room	Game Room

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2008
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	6,600 sqft (0.152 acres)
Lot Dimensions	132 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00116630828
Street Address	514 N WAYNE ST
City	PERU
State	IN
Zip	46970-1207
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	021-58211-00 N ELMWOOD 00-00-00 .00 LOT 16 42 232 11000
Legal Subdivision	ELMWOOD ADDITION
Legal Lot Number	16
Jurisdiction	MIAMI IN
Township / Civil Division	PERU
Census Block Group	2
Census Block	2023
Census Tract	952200

Owner

514 N Wayne St is owned and occupied by two individuals who bought it in November 2024.

Source: Miami County records, as of October 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	514 N WAYNE ST, PERU, IN 46970-1207
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Oct 8, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 20, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST FARMERS BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2024 · Amount on File
Deed Sale	Nov 19, 2024 · Amount on File
Prior Sale	Oct 20, 2021 · Amount on File
Deed Document Number	2024524660
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI IN
Property Address	514 N WAYNE ST, PERU, IN 46970-1207
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 N WAYNE ST, PERU, IN 46970-1207

Mortgage

Document Number	20250524044
Date	Oct 8, 2025
Instrument	20250524044

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	951 W YAMATO RD STE 175, BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI IN
Recording Date	Oct 20, 2021
Property Address	514 N WAYNE ST, PERU, IN 46970-1207
Document Number	20210525176
Instrument Date	Oct 15, 2021
Instrument	20210525176
Transaction Type	Transfer
Record Updated	Feb 14, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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
Relationship	Joint Tenants with Right of Survivorship
Address	IN

Mortgage

Document Number	20210525177
Date	Oct 20, 2021
Instrument	20210525177

Lender

Name	FIRST FARMERS BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 514 N Wayne St was $1,114 with a homeowner's exemption, up 74.3% from the year before.

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	$1,114.00 (+74.33%) Homeowner's exemption	$120,500 Land $4,100 Building $116,400	$120,500 Land $4,100 Building $116,400
2024	$639.00 (+52.87%)
2023	$418.00 (+43.64%)	$46,000 Land $4,100 Building $41,900	$46,000 Land $4,100 Building $41,900
2022	$291.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 514 N Wayne St in Zone X, an area of moderate flood risk.

Source: FEMA National Flood Hazard Layer, effective May 16, 2017

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 514 N Wayne St has no burnable land within ember reach, so its wildfire risk is not rated.

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 405 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: Metronet, Verizon.

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