103 Fair St, Carmel, NY 10512 Property Records

Putnam County and Carmel Town property record for 103 Fair St, Carmel, NY 10512

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,470 sqft · built 1980
Lot Size	0.75 acres (32,670 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Oct 1995)
Tax Bill	$15,509 (2024)
Deeds & Mortgages	Mar 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`372000 44.15-1-53`

Property Details

APN / Parcel Number

Primary APN	`372000 44.15-1-53`
Alternative APNs	`200004401500010530000000` `329080`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,470 sqft Living Area
Gross Area	3,218 sqft
1st Floor Area	1,228 sqft
2nd Floor Area	1,242 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	32,670 sqft (0.75 acres)
Lot Dimensions	216 ft deep x 160 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	264 sqft
Patio Area	194 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	329080
Street Address	103 FAIR ST
City	CARMEL
State	NY
Zip	10512-1591
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Block	1
Legal Lot Number	53.00
Jurisdiction	PUTNAM NY
Township / Civil Division	CARMEL
Census Block Group	1
Census Block	1005
Census Tract	11501

Owner

103 Fair St is owned and occupied by an individual who acquired it in June 2025.

Source: Putnam County and Carmel Town records, as of April 29, 2026

Owner of Record	Individual Name on File
Mailing Address	103 FAIR ST, CARMEL, NY 10512-1591
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 1995 · Amount on File
Deed Sale	Oct 4, 1995 · Amount on File
Prior Sale	Nov 4, 1994 · Amount on File
Deed Book / Page	1308 / 263
Last Transfer Date	Jun 26, 2025
Transfer Doc	0024360092
Record Updated	Oct 29, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PUTNAM NY
Recording Date	Mar 16, 2026
Property Address	103 FAIR ST, CARMEL, NY 10512-1591
Document Number	0024360092
Book / Page	2436 / 92
Instrument Date	Jun 26, 2025
Instrument	1830-2026
Transaction Type	Transfer
Record Updated	May 6, 2026
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	103 FAIR ST, CARMEL, NY 10512-1591

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 FAIR ST, CARMEL, NY 10512-1591
Investor	Possibly a Property Investor

Mortgage

Document Number	0008085189
Date	Mar 16, 2026
Instrument	8085/189

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	233 Months
Due	Aug 1, 2045

Tax Assessment & Valuation

Source: Putnam County and Carmel Town assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	New York
County	Putnam County
County Subdivision	Carmel Town
Unified School District	Carmel Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$551,800 (+7%) Land $89,900 Building $461,900	$551,800 (+7%) Land $89,900 Building $461,900
2024	$15,509.00	$515,700 (+6.99%) Land $89,900 Building $425,800	$515,700 (+6.99%) Land $89,900 Building $425,800
2023		$482,000 (+11.01%) Land $81,700 Building $400,300	$482,000 (+11.01%) Land $81,700 Building $400,300
2022		$434,200 Land $81,700 Building $352,500	$434,200 Land $81,700 Building $352,500
2020	$4,555.00

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

Flood

FEMA maps place 103 Fair St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.

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
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	1 (2021)
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida

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.

Wildfire

Wildfire risk around 103 Fair St 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.

Drinking Water

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 142 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