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Single Family ResidenceResidential
$297,033$166 / 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 92How 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
Last sold for $265,000 on Feb 8, 2023

640 RIVER RD

PERU, NY 12972
3
Beds
2 / 1
Baths
1,784 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.
1.9 ac
Lot SizeThe size of the land the home sits on, from county records.
1977
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$297K
$274K low$320K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$265,000 · Feb 8, 2023
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.$40,878
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$32,702
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.85%
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.$256,155
EQUITY PRIME MTG · recorded Feb 8, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,753 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$271,700 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$42,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$228,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$184,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$271,700

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.28
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
17
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
46
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
69
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.Colonial
CountyClinton
Lot (acres)The size of the land the home sits on, from county records.1.90
HeatingThe type of heating system in the home.Hot Water
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 322 ft²

Transaction History(2)

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.

E
Peru Elementary SchoolD
Elementary · Grades PK–5 · 2.8 mi
M
Peru Middle SchoolC-
Middle · Grades 6–8 · 2.9 mi
H
Peru High SchoolB
High · Grades 9–12 · 2.9 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

640 River Rd 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 78% of homes in Clinton County
  • Costs more per square foot than 68% of homes in Clinton County
  • Bigger than 70% of homes in Clinton County
  • Has a bigger lot than 72% 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$557K

This home is worth more than 65% 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$297,033
CheaperTypical $257,497Pricier

Pricier than 65% of homes nearby

Price per ft²$166
CheaperTypical $162Pricier

Pricier than 54% of homes nearby

Living area1,784 ft²
SmallerTypical 1,604 ft²Bigger

Bigger than 61% of homes nearby

Lot size1.9 ac
SmallerTypical 1.2 acBigger

Bigger than 63% of homes nearby

Year built1977
OlderTypical 1979Newer

Newer than 48% of homes nearby

How 640 River Rd ranks against every home in each area.
MeasureThis homePeru 12972Clinton County
Estimated valuepricier than$297,03365% of homes78% of homes
Price per ft²pricier than$16654% of homes68% of homes
Living areabigger than1,784 ft²61% of homes70% of homes
Lot sizebigger than1.9 ac63% of homes72% of homes
Year builtnewer than197748% of homes55% of homes

About 640 River Rd

How much is 640 River Rd, Peru, NY worth?

The TopHap Estimate for 640 River Rd, Peru, NY is $297,033 as of Jul 14, 2026. The likely range is $274,290 to $319,776. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 640 River Rd, Peru, NY last sell?

640 River Rd, Peru, NY last sold on Feb 8, 2023 for $265,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 640 River Rd, Peru, NY?

640 River Rd, Peru, NY has 3 bedrooms, 2 bathrooms, 1,784 square feet of living space and a 1.90-acre lot.

When was 640 River Rd, Peru, NY built?

640 River Rd, Peru, NY was built in 1977, making it 49 years old. It is a colonial home. The building has 2 stories.

What schools serve 640 River Rd, Peru, NY?

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

How does 640 River Rd, Peru, NY compare to other homes in Peru 12972?

Among the 2,364 homes in Peru 12972, it is worth more than 65% of them ($297,033 against a typical $257,497), its price per square foot is higher than 54% of them ($166 against a typical $162), it is bigger than 61% of them (1,784 ft² against a typical 1,604 ft²), its lot is bigger than 63% of them (1.9 ac against a typical 1.2 ac) and it is newer than 48% of them (1977 against a typical 1979). Measured against all of Clinton County, it is worth more than 78% 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 640 River Rd, Peru, NY?

The 2024 property tax bill for 640 River Rd, Peru, NY was $5,753. The county assessed it at $271,700.

Closest homes

More homes in Peru 12972

Assigned schools

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