11 Sebago Rd, Carmel, NY 10512 Property Records

Putnam County and Kent Town property record for 11 Sebago Rd, Carmel, NY 10512

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1980
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$355,000 (Jul 2005)
Tax Bill	$10,769 (2024)
Deeds & Mortgages	Jan 2026 Transfer
Flood Zone	Zone X (minimal risk)
APN	`372200 22.82-1-38`

Property Details

APN / Parcel Number

Primary APN	`372200 22.82-1-38`
Alternative APNs	`220002208200010380000000` `039725`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,344 sqft Living Area
Gross Area	1,369 sqft
1st Floor Area	924 sqft
2nd Floor Area	420 sqft
Basement Area	908 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Contemporary
Exterior Material	Wood
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	100 ft deep x 120 ft wide
View / Lot	Waterfront
Garage Type	Carport
Garage Area	360 sqft
Carport	Carport
Carport Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	504 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	039725
Street Address	11 SEBAGO RD
City	CARMEL
State	NY
Zip	10512-6219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Block	1
Legal Lot Number	38.00
Jurisdiction	PUTNAM NY
Township / Civil Division	KENT
Census Block Group	1
Census Block	1051
Census Tract	10300

Owner

11 Sebago Rd is owned and occupied by an individual who acquired it in January 2026.

Source: Putnam County and Kent Town records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	11 SEBAGO RD, CARMEL, NY 10512-6219
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	Jul 25, 2005 · Amount on File
Deed Sale	Jul 25, 2005 · Amount on File
Prior Sale	Aug 28, 1997 · Amount on File
Deed Book / Page	1712 / 421
Last Transfer Date	Jan 24, 2026
Transfer Doc	0024290299
Record Updated	Oct 29, 2026

January 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	PUTNAM NY
Recording Date	Jan 27, 2026
Property Address	11 SEBAGO RD, CARMEL, NY 10512-6219
Document Number	0024290299
Book / Page	2429 / 299
Map Reference	MAP 130EE
Instrument Date	Jan 27, 2026
Instrument	599-2026
Transaction Type	Transfer
Record Updated	Feb 26, 2026
Title Company	JUDICIAL TITLE INSURANCE AGENCY INC, JUDICIAL TITLE INS AGCY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11 SEBAGO RD, CARMEL, NY 10512-6219

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	H SEBAGO ROAD, CARMEL, NY 10512

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$437,000 (+90.91%) Land $62,400 Building $374,600	$437,000 (+31.35%) Land $62,400 Building $374,600
2024	$10,769.00 Homeowner's exemption	$228,900 (-) Land $17,000 Building $211,900	$332,703 (-)
2023		$228,900 (-) Land $17,000 Building $211,900	$332,703 (+21.66%) Land $24,709 Building $307,994
2022		$228,900 Land $17,000 Building $211,900	$273,477 Land $20,311 Building $253,166

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

Flood

FEMA maps place 11 Sebago Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	4 (1978–2023)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jul 2023 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2023 · 2 claims

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 11 Sebago 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	Indirect within ember reach

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 207 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20