12 Iris Ct, Carmel, NY 10512 Property Records

Putnam County and Kent Town property record for 12 Iris Ct, Carmel, NY 10512

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 897 sqft · built 1932
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Feb 2023)
Tax Bill	$9,645 (2024)
Deeds & Mortgages	Aug 2022 Construction Loan Feb 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`372200 33.82-1-67`

Property Details

APN / Parcel Number

Primary APN	`372200 33.82-1-67`
Alternative APNs	`220003308200010670000000` `091725`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	897 sqft Living Area
1st Floor Area	897 sqft

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1995
Architectural Style	Old Style
Exterior Material	Composition/Composite
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	100 ft deep x 140 ft wide
View / Lot	Waterfront
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	247 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Account Number	091725
Street Address	12 IRIS CT
City	CARMEL
State	NY
Zip	10512-5857
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Subdivision	FIFTEENTH MAP OF LAKE CARMEL
Legal Block	1
Legal Lot Number	67.00
Jurisdiction	PUTNAM NY
Township / Civil Division	KENT
Census Block Group	4
Census Block	4028
Census Tract	10300

Owner

12 Iris Ct is owned and occupied by two individuals who bought it in February 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	12 IRIS CT, CARMEL, NY 10512-5857
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

Date	Document
Aug 2, 2022	Deed of Trust, Mortgage · Construction Mortgage HANI HOLDINGS LLC
Feb 1, 2023	Bargain and Sale Deed, Transfer · Conventional Mortgage PRIMELENDING
Dec 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage KEY BANK NA
Dec 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage KEY BANK NA
Sep 13, 2018	Grant Deed, Transfer · Conventional with PMI KEYBANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2023 · Amount on File
Deed Sale	Feb 1, 2023 · Amount on File
Prior Sale	Jun 2, 2003 · Amount on File
Deed Document Number	2023606
Deed Book / Page	2306 / 206
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	12 IRIS CT, CARMEL, NY 10512-5857
Transaction Type	Mortgage
Record Updated	Jan 4, 2024
Title Company	QUAKER ABSTRACT INC, QUAKER ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0076850275
Date	Aug 2, 2022
Book Page	7685/275
Instrument	7035-2022

Lender

Name	HANI HOLDINGS LLC
Type	Non-Lending Institution
Address	HOPEWELL JUNCTION, NY 12533

Agreement

Type	Construction Mortgage
Amount	Amount on Record

February 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	PUTNAM NY
Recording Date	Feb 1, 2023
Property Address	12 IRIS CT, CARMEL, NY 10512-5857
Document Number	0023060206
Book / Page	2306 / 206
Map Reference	MAP 130-MM
Instrument Date	Jan 24, 2023
Instrument	606-2023
Transaction Type	Transfer
Record Updated	Mar 2, 2023
Title Company	AMTRUST TITLE INSURANCE COMPANY, AMTRUST TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,280.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12 IRIS CT, CARMEL, NY 10512-5857

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	73 STONE AVE, OSSINING, NY 10562-3715

Mortgage

Document Number	0000774891
Date	Feb 1, 2023
Instrument	7748/91

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2053

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	12 IRIS CT, CARMEL, NY 10512-5857
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 IRIS CT, CARMEL, NY 10512-5857

Mortgage

Document Number	0072230037
Date	Dec 16, 2020
Book Page	7223/37
Instrument	11292-2020

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Oct 1, 2050

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	12 IRIS CT, CARMEL, NY 10512-5857
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 IRIS CT, CARMEL, NY 10512-5857

Mortgage

Document Number	0072230057
Date	Dec 16, 2020
Book Page	7223/57
Instrument	11293-2020

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Oct 1, 2050

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PUTNAM NY
Recording Date	Sep 13, 2018
Property Address	12 IRIS CT, CARMEL, NY 10512-5857
Document Number	0020890054
Book / Page	002089 / 000054
Instrument Date	Sep 5, 2018
Instrument	1502346
Transaction Type	Transfer
Record Updated	Sep 28, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$888.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 BALDWIN LN MAHOPAC NY 105413602, MAHOPAC, NY 10541-3602

Mortgage

Document Number	68530442
Date	Sep 13, 2018
Book Page	006853/000442
Instrument	1602501

Lender

Name	KEYBANK USA
Type	Bank
Address	CLEVELAND, OH 44114-1306

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 12, 2048

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		$336,000 Land $66,400 Building $269,600	$336,000 Land $66,400 Building $269,600
2024	$9,645.00
2023		$205,000 (+21.95%) Land $28,000 Building $177,000	$297,965 (+48.36%) Land $40,698 Building $257,267
2022		$168,100 Land $18,000 Building $150,100	$200,836 Land $21,505 Building $179,331

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

Flood

FEMA maps place 12 Iris Ct in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1979.

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	1 in force
Nearby Flood Claims	7 (1979–2011)
Most Recent Claim	Sep 2011 · Hurricane Irene

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 12 Iris Ct 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	None beyond ember reach

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	HILL SPARROW MASTER HOA private · serves 432 people · EPA ID NY3921704
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	6 ppb (2022–2024) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 197 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

May also be available: T-Mobile.

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