645 Calkins Rd, Peru, NY 12972 Property Records

Clinton County and Peru Town property record for 645 Calkins Rd, Peru, NY 12972

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1977
Lot Size	1.3 acres (56,628 sqft)
Owner	2 Individual Names on Record
Last Sale	$115,000 (Jul 2008)
Tax Bill	$3,369 (2026)
Deeds & Mortgages	Nov 2020 Loan Modification Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`094000 279.-2-35`

Property Details

APN / Parcel Number

Primary APN	`094000 279.-2-35`
Alternative APN	`400027900000020350000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	56,628 sqft (1.3 acres)
Porch	Patio
Porch Area	304 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	645 CALKINS RD
City	PERU
State	NY
Zip	12972-4514
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	2
Legal Lot Number	35.000
Jurisdiction	CLINTON NY
Township / Civil Division	PERU
Census Block Group	4
Census Block	4035
Census Tract	101901

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	645 CALKINS RD, PERU, NY 12972-4514
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2020	Loan Modification, Mortgage · Conventional Mortgage M&T BK
Nov 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage M&T BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2008 · Amount on Record
Deed Sale	Jul 1, 2008 · Amount on Record
Deed Book / Page	20082 / 17031
Record Updated	Oct 29, 2026

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLINTON NY
Property Address	645 CALKINS RD, PERU, NY 12972-4514
Document Number	0000312931
Instrument Date	Nov 16, 2020
Transaction Type	Mortgage
Record Updated	Feb 3, 2021
Title Company	LAFAYETTE SETTLEMENT SERVICES, LAFAYETTE SETTLEMENT SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 CALKINS RD PERU NY 129724514, PERU, NY 12972-4514

Mortgage

Document Number	0000312931
Date	Jan 7, 2021
Instrument	312931

Lender

Name	M&T BK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 6, 2036

Interest

Rate	2.62%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON NY
Property Address	645 CALKINS RD, PERU, NY 12972-4514
Document Number	0000312930
Instrument Date	Nov 16, 2020
Transaction Type	Mortgage
Record Updated	Feb 3, 2021
Title Company	LAFAYETTE SETTLEMENT SERVICES, LAFAYETTE SETTLEMENT SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 CALKINS RD PERU NY 129724514, PERU, NY 12972-4514

Mortgage

Document Number	0000312930
Date	Jan 7, 2021
Instrument	312930

Lender

Name	M&T BK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 6, 2036

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	$3,369.00 (+269%) Homeowner's exemption
2025	$913.00	$164,700 (+10.69%) Land $42,000 Building $122,700	$164,700 (+10.69%) Land $42,000 Building $122,700
2023		$148,800 Land $37,000 Building $111,800	$148,800 Land $37,000 Building $111,800

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

FEMA Flood Zone	Zone X minimal risk
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

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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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