81 Bear Swamp Rd, Peru, NY 12972 Property Records

Clinton County and Peru Town property record for 81 Bear Swamp Rd, Peru, NY 12972

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,577 sqft · built 2021
Lot Size	9.2 acres (400,752 sqft)
Owner	Individual Name on File
Last Sale	$1,400 (Nov 1994)
Tax Bill	$9,125 (2026)
Deeds & Mortgages	Dec 2025 Sale Feb 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`094000 281.-2-1`

Property Details

APN / Parcel Number

Primary APN	`094000 281.-2-1`
Alternative APN	`400028100000020010000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,577 sqft Living Area
1st Floor Area	2,577 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Ranch
Foundation Type	Slab (Mat/Raft)
Lot Area	400,752 sqft (9.2 acres)
Garage Type	Attached
Garage Area	894 sqft
Parking Spaces	4 Parking Spaces
Canopy	692 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	81 BEAR SWAMP RD
City	PERU
State	NY
Zip	12972-4902
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PAT STEWARTS SUB DIV LOT 10 AUSABLE POINT BK 10 PG 60
Legal Block	2
Legal Lot Number	1.000
Jurisdiction	CLINTON NY
Township / Civil Division	PERU
Census Block Group	1
Census Block	1026
Census Tract	101902

Owner

81 Bear Swamp Rd is owned and occupied by an individual who acquired it in December 2025.

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

Owner of Record	Individual Name on File
Mailing Address	81 BEAR SWAMP RD, PERU, NY 12972-4902
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Dec 19, 2025	Warranty Deed, Transfer
Feb 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NBT BANK NATIONAL ASSOCIATION
Sep 8, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 1994 · Amount on File
Deed Sale	Nov 14, 1994 · Amount on File
Deed Book / Page	931 / 123
Last Transfer Date	Dec 19, 2025
Transfer Doc	0000348099
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLINTON NY
Recording Date	Dec 19, 2025
Property Address	81 BEAR SWAMP RD, PERU, NY 12972-4902
Document Number	0000348099
Instrument Date	Dec 19, 2025
Instrument	2025-00348099
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 BEAR SWAMP RD, PERU, NY 12972-4902

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON NY
Property Address	81 BEAR SWAMP RD, PERU, NY 12972-4902
Transaction Type	Mortgage
Record Updated	Mar 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000313985
Date	Feb 19, 2021
Instrument	20210-00313985

Lender

Name	NBT BANK NATIONAL ASSOCIATION
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLINTON NY
Recording Date	Sep 8, 2020
Property Address	81 BEAR SWAMP RD, PERU, NY 12972-4902
Document Number	0000309878
Instrument Date	Sep 1, 2020
Instrument	309878
Transaction Type	Transfer
Record Updated	Sep 29, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$220.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	70 BEAR SWAMP RD PERU NY 129724900, PERU, NY 12972-4900

Tax Assessment & Valuation

The 2026 property tax bill for 81 Bear Swamp Rd was $9,125, up 268.8% from the year before.

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	$9,125.00 (+268.84%)
2025	$2,474.00 (-73.81%)	$446,100 (-) Land $53,800 Building $392,300	$446,100 (-) Land $53,800 Building $392,300
2024	$9,445.00	$446,100 (+20.93%) Land $53,800 Building $392,300	$446,100 (+20.93%) Land $53,800 Building $392,300
2023		$368,900 Land $48,800 Building $320,100	$368,900 Land $48,800 Building $320,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 81 Bear Swamp Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 81 Bear Swamp Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fiber	980 / 880

Cell Coverage

5G and 4G LTE (outdoors only)

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