Clinton County and Peru Town property record for 61 Elm St, Peru, NY 12972
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,978 sqft · built 1974 |
| Lot Size | 0.579 acres (25,250 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $225,000 (Oct 2021) |
| Tax Bill | $5,990 (2026) |
| Deeds & Mortgages | Mar 2026 Mortgage Apr 2024 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 094000 280.1-8-39 |
| Primary APN | 094000 280.1-8-39 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,978 sqft Living Area |
| 1st Floor Area | 1,978 sqft |
| Basement Area | 756 sqft |
| Finished Basement | 756 sqft |
| Game Room | Game Room |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 25,250 sqft (0.579 acres) |
| Lot Dimensions | 202 ft deep x 125 ft wide |
| Pool Type | In-Ground Vinyl Pool |
| Porch | Slab |
| Porch Area | 788 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 61 ELM ST |
|---|---|
| City | PERU |
| State | NY |
| Zip | 12972-2801 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 8 |
| Legal Lot Number | 39.000 |
| Jurisdiction | CLINTON NY |
| Township / Civil Division | PERU |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 101901 |
61 Elm St is owned by two individuals who bought it in October 2021.
Source: Clinton County and Peru Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 236 LAKE SHORE RD, ESSEX, NY 12936 |
| 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.
| Date | Document |
|---|---|
| Mar 20, 2026 | Deed of Trust, Mortgage PLANET HOME LENDING LLC |
| Apr 3, 2024 | Deed of Trust, Mortgage · FHA Mortgage ABSOLUTE HOME MORTGAGE CORP |
| Feb 11, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FLAGSTAR BANK FSB |
| Feb 11, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FLAGSTAR BANK FSB |
| Oct 8, 2021 | Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 8, 2021 · Amount on File |
| Deed Sale | Oct 8, 2021 · Amount on File |
| Prior Sale | Dec 15, 2014 · Amount on File |
| Deed Document Number | 2021319705 |
| Prior Transfer Date | Nov 4, 2002 |
| Prior Transfer Doc | 2002048654 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLINTON NY |
| Property Address | 61 ELM ST, PERU, NY 12972-2816 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000349550 |
|---|---|
| Date | Mar 20, 2026 |
| Instrument | 2026-00349550 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Lending Institution |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLINTON NY |
| Property Address | 61 ELM ST, PERU, NY 12972-2816 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000336865 |
|---|---|
| Date | Apr 3, 2024 |
| Instrument | 20240-00336865 |
| Name | ABSOLUTE HOME MORTGAGE CORP |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLINTON NY |
| Property Address | 61 ELM ST, PERU, NY 12972-2816 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000313804 |
|---|---|
| Date | Feb 11, 2021 |
| Instrument | 20210-00313804 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 289 Months |
| Due | Mar 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLINTON NY |
| Property Address | 61 ELM ST, PERU, NY 12972-2816 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000313803 |
|---|---|
| Date | Feb 11, 2021 |
| Instrument | 20210-00313803 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Mar 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLINTON NY |
| Recording Date | Oct 8, 2021 |
| Property Address | 61 ELM ST, PERU, NY 12972-2816 |
| Document Number | 0000319705 |
| Instrument Date | Oct 7, 2021 |
| Instrument | 20210-00319705 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12 SAND HILL RD, KEESEVILLE, NY 12924-4207 |
| Document Number | 21000319706 |
|---|---|
| Date | Oct 8, 2021 |
| Instrument | 210-00319706 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 61 Elm St was $5,990, up 167.3% from the year before.
Source: Clinton County and Peru Town assessment roll, as of March 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Clinton County |
| County Subdivision | Peru Town |
| Unified School District | Peru Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,990.00 (+167.29%) | ||
| 2025 | $2,241.00 | $262,200 Land $20,000 Building $242,200 | $262,200 Land $20,000 Building $242,200 |
| 2023 | $255,400 Land $20,000 Building $235,400 | $255,400 Land $20,000 Building $235,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 61 Elm St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 risk around 61 Elm St 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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