790 Bear Swamp Rd, Peru, NY 12972 Property Records

Clinton County and Peru Town property record for 790 Bear Swamp Rd, Peru, NY 12972

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,749 sqft · built 1959
Lot Size	0.147 acres (6,440 sqft)
Owner	2 Individual Names on Record
Last Sale	$120,000 (Aug 2019)
Tax Bill	$4,786 (2026)
Deeds & Mortgages	Aug 2019 Mortgage Oct 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`094000 280.1-6-40.1`

Property Details

APN / Parcel Number

Primary APN	`094000 280.1-6-40.1`
Alternative APN	`400028000100060400010000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,749 sqft Living Area
1st Floor Area	1,312 sqft
Upper Floors Area	437 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Cape Cod
Exterior Material	Composition/Composite
Foundation Type	Raised
Lot Area	6,440 sqft (0.147 acres)
Lot Dimensions	92 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	790 BEAR SWAMP RD
City	PERU
State	NY
Zip	12972-3007
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PAT BELLS LOT 77
Legal Block	6
Legal Lot Number	40.001
Jurisdiction	CLINTON NY
Township / Civil Division	PERU
Census Block Group	3
Census Block	3006
Census Tract	101901

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	790 BEAR SWAMP RD, PERU, NY 12972-3007
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage COMMUNITY BANK NA
Oct 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Aug 1, 2019	Deed of Trust, Mortgage · Conventional with PMI COMMUNITY BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2019 · Amount on Record
Deed Sale	Aug 2, 2019 · Amount on Record
Prior Sale	Aug 14, 1998 · Amount on Record
Deed Document Number	2019302376
Prior Transfer Date	Jun 12, 2003
Prior Transfer Doc	2003056612
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON NY
Property Address	790 BEAR SWAMP RD, PERU, NY 12972-3007
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	19000302377
Date	Aug 2, 2019
Instrument	190-00302377

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON NY
Property Address	790 BEAR SWAMP RD, PERU, NY 12972-3007
Transaction Type	Mortgage
Record Updated	Nov 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021000320141
Date	Oct 27, 2021
Instrument	20210-00320141

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON NY
Property Address	790 BEAR SWAMP RD, PERU, NY 12972-3007
Document Number	0000302688
Instrument Date	Aug 1, 2019
Transaction Type	Mortgage
Record Updated	Sep 5, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26 S PLATT ST PLATTSBURGH NY 129013522, PLATTSBURGH, NY 12901-3522

Mortgage

Document Number	0000302688
Date	Aug 20, 2019
Instrument	302688

Lender

Name	COMMUNITY BK NA
Address	OLEAN, NY 14760

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2049

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	$4,786.00 (+167.37%)
2025	$1,790.00	$209,500 (-) Land $11,400 Building $198,100	$209,500 (-) Land $11,400 Building $198,100
2023		$209,500 Land $11,400 Building $198,100	$209,500 Land $11,400 Building $198,100

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

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

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	None beyond 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 112 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
T-Mobile Fixed Wireless	100 / 20

May also be available: SLICFiber, Westelcom Networks.

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