Putnam County and Carmel Town property record for 10 Terrace Dr, Carmel, NY 10512
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,979 sqft · built 2012 |
| Lot Size | 0.01 acres (436 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $516,950 (Jan 2012) |
| Tax Bill | $9,246 (2024) |
| Deeds & Mortgages | Sep 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 372000 55.14-1-11.2-203 |
| Primary APN | 372000 55.14-1-11.2-203 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,979 sqft Living Area |
| Gross Area | 2,440 sqft |
| 1st Floor Area | 1,979 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Townhouse |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 436 sqft (0.01 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 461 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 140 sqft |
| Canopy | 24 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 10 TERRACE DR |
|---|---|
| City | CARMEL |
| State | NY |
| Zip | 10512-2465 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CBP |
| Legal Subdivision | CARMEL CONDOMINIUM I |
| Legal Block | 1 |
| Legal Lot Number | 11.00 |
| Jurisdiction | PUTNAM NY |
| Township / Civil Division | CARMEL |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 11501 |
Source: Putnam County and Carmel Town records, as of April 29, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 10 TERRACE DR, CARMEL, NY 10512-2465 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 30, 2012 · Amount on Record |
| Deed Sale | Jan 30, 2012 · Amount on Record |
| Prior Sale | Jan 30, 2012 · Amount on Record |
| Deed Book / Page | 1891 / 89 |
| Prior Transfer Date | Dec 4, 2008 |
| Prior Transfer Doc | 0018210190 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 10 TERRACE DR, CARMEL, NY 10512-2465 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Title Company | FUTURE TITLE AGENCY INC, PUTURE TITLE AGENCY INC |
| Name | Verified Name |
|---|---|
| Address | 10 TERRACE DR, CARMEL, NY 10512-2465 |
| Document Number | 0074520257 |
|---|---|
| Date | Sep 10, 2021 |
| Book Page | 7452/257 |
| Instrument | 10657-2021 |
| Name | PCSB BANK |
|---|---|
| Type | Bank |
| Address | YORKTOWN HEIGHTS, NY 10598 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Aug 1, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Putnam County and Carmel Town assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Putnam County |
| County Subdivision | Carmel Town |
| Unified School District | Carmel Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $296,700 (+1.99%) Land $20,000 Building $276,700 | $296,700 (+1.99%) Land $20,000 Building $276,700 | |
| 2024 | $9,246.00 (+151.05%) | ||
| 2023 | $290,900 (-) Land $20,000 Building $270,900 | $290,900 (-) Land $20,000 Building $270,900 | |
| 2022 | $290,900 Land $20,000 Building $270,900 | $290,900 Land $20,000 Building $270,900 | |
| 2020 | $3,683.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 4, 2013 · 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 | 2 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 93% of New York |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CARMEL WD 2 serves 5,000 people · EPA ID NY3903641 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2025 |
| Lead | 7 ppb (2020–2022) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 72 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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