Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$279,568$154 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

12 RATCLIFFE DR

PERU, NY 12972
3
Beds
2
Baths
1,812 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1.68 ac
Lot SizeThe size of the land the home sits on, from county records.
1988
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$280K
$252K low$307K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$144,829
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$115,863
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.49%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$100,000
TD BK NA · recorded Apr 24, 2019
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$34,739
TD BANK NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,587 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$286,100 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$37,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$248,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$286,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$286,100

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.29
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
20
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
47
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
71
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
10
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Raised Ranch
CountyClinton
Lot (acres)The size of the land the home sits on, from county records.1.68
HeatingThe type of heating system in the home.Forced Air
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 640 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Peru Middle SchoolC-
Middle · Grades 6–8 · 2.2 mi
H
Peru High SchoolB
High · Grades 9–12 · 2.2 mi
E
Peru Elementary SchoolD
Elementary · Grades PK–5 · 2.3 mi

District: Peru Central School District

Neighborhood · ZIP 12972These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.69
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.127

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.6,545
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.77 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$102,489
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$113,229
Average tempThe average temperature here across a full year.44°F
Annual precipHow much rain and melted snow falls here in a typical year.34 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.52%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

12 Ratcliffe Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 74% of homes in Clinton County
  • Bigger than 72% of homes in Clinton County
  • Has a bigger lot than 70% of homes in Clinton County
  • Newer than 69% of homes in Clinton County

What homes are worth in Peru 12972

Each bar is how many homes fall in that price range. The marker is this home.

This home
$105K$534K

This home is worth more than 59% of homes in Peru 12972.

How it measures up in Peru 12972

The dot is this home. The mark in the middle is the typical home in Peru 12972.

Estimated value$279,568
CheaperTypical $257,410Pricier

Pricier than 59% of homes nearby

Price per ft²$154
CheaperTypical $163Pricier

Pricier than 42% of homes nearby

Living area1,812 ft²
SmallerTypical 1,604 ft²Bigger

Bigger than 62% of homes nearby

Lot size1.68 ac
SmallerTypical 1.2 acBigger

Bigger than 60% of homes nearby

Year built1988
OlderTypical 1979Newer

Newer than 61% of homes nearby

How 12 Ratcliffe Dr ranks against every home in each area.
MeasureThis homePeru 12972Clinton County
Estimated valuepricier than$279,56859% of homes74% of homes
Price per ft²pricier than$15442% of homes60% of homes
Living areabigger than1,812 ft²62% of homes72% of homes
Lot sizebigger than1.68 ac60% of homes70% of homes
Year builtnewer than198861% of homes69% of homes

About 12 Ratcliffe Dr

How much is 12 Ratcliffe Dr, Peru, NY worth?

The TopHap Estimate for 12 Ratcliffe Dr, Peru, NY is $279,568 as of Jul 14, 2026. The likely range is $252,498 to $306,638. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 12 Ratcliffe Dr, Peru, NY?

12 Ratcliffe Dr, Peru, NY has 3 bedrooms, 2 bathrooms, 1,812 square feet of living space and a 1.68-acre lot.

When was 12 Ratcliffe Dr, Peru, NY built?

12 Ratcliffe Dr, Peru, NY was built in 1988, making it 38 years old. It is a raised ranch home. The building has 1 story.

What schools serve 12 Ratcliffe Dr, Peru, NY?

12 Ratcliffe Dr, Peru, NY is assigned to Peru Middle School (middle), rated C-; Peru High School (high), rated B; Peru Elementary School (elementary), rated D. All sit in Peru Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12 Ratcliffe Dr, Peru, NY compare to other homes in Peru 12972?

Among the 2,364 homes in Peru 12972, it is worth more than 59% of them ($279,568 against a typical $257,410), its price per square foot is higher than 42% of them ($154 against a typical $163), it is bigger than 62% of them (1,812 ft² against a typical 1,604 ft²), its lot is bigger than 60% of them (1.68 ac against a typical 1.2 ac) and it is newer than 61% of them (1988 against a typical 1979). Measured against all of Clinton County, it is worth more than 74% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 12 Ratcliffe Dr, Peru, NY?

The 2025 property tax bill for 12 Ratcliffe Dr, Peru, NY was $1,587. The county assessed it at $286,100.

More homes on Ratcliffe Dr

Closest homes

More homes in Peru 12972

Assigned schools

Explore the area

See this home in context

Open 12 Ratcliffe Dr on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map