Putnam County and Kent Town property record for 12 Jay Ct, Carmel, NY 10512
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,455 sqft · built 1940 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $180,000 (Feb 2017) |
| Tax Bill | $7,989 (2024) |
| Deeds & Mortgages | Oct 2026 Line of Credit Dec 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 372200 33.72-1-42 |
| Primary APN | 372200 33.72-1-42 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,455 sqft Living Area |
| Gross Area | 1,735 sqft |
| 1st Floor Area | 988 sqft |
| 2nd Floor Area | 108 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Old Style |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 89 ft deep x 80 ft wide |
| View / Lot | Waterfront |
| Porch | Enclosed Porch |
| Porch Area | 680 sqft |
| Patio Area | 168 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Account Number | 086875 |
|---|---|
| Street Address | 12 JAY CT |
| City | CARMEL |
| State | NY |
| Zip | 10512-6045 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 |
| Legal Block | 1 |
| Legal Lot Number | 42.00 |
| Jurisdiction | PUTNAM NY |
| Township / Civil Division | KENT |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 10400 |
Source: Putnam County and Kent Town records, as of October 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 12 JAY CT, CARMEL, NY 10512-6045 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 6, 2026 | Deed of Trust, Mortgage · Line of Credit HUDSON VALLEY CREDIT UNION |
| Dec 2, 2022 | Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC |
| Dec 2, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| Feb 8, 2017 | Bargain and Sale Deed, Transfer ARL ABSTRACT CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 8, 2017 · Amount on Record |
| Deed Sale | Feb 8, 2017 · Amount on Record |
| Prior Sale | Dec 30, 2014 · Amount on Record |
| Deed Document Number | 20171500392 |
| Deed Book / Page | 2036 / 192 |
| Prior Transfer Date | Jun 1, 2010 |
| Prior Transfer Doc | 1854000495 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Recording Date | Oct 6, 2026 |
| Property Address | 12 JAY CT, CARMEL, NY 10512-6045 |
| Document Number | 0000006523 |
| Book / Page | 8157 / 255 |
| Instrument Date | Sep 18, 2026 |
| Instrument | 20266523 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 12 JAY CT, CARMEL, NY 10512-6045 |
| Document Number | 0000006523, |
|---|---|
| Date | Oct 6, 2026 |
| Book Page | 8157/255 |
| Instrument | 20266523 |
| Name | HUDSON VALLEY CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 12 JAY CT, CARMEL, NY 10512-6045 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2022 |
| Title Company | AVENUE 365 LENDER SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 12 JAY CT, CARMEL, NY 10512-6045 |
| Document Number | 0077320327 |
|---|---|
| Date | Dec 2, 2022 |
| Book Page | 7732/327 |
| Instrument | 10373-2022 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 347 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 12 JAY CT, CARMEL, NY 10512-6045 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2022 |
| Title Company | AVENUE 365 LENDER SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 12 JAY CT, CARMEL, NY 10512-6045 |
| Document Number | 0077330001 |
|---|---|
| Date | Dec 2, 2022 |
| Book Page | 7733/1 |
| Instrument | 10374-2022 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 347 Months |
| Due | Nov 1, 2051 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | PUTNAM NY |
| Recording Date | Feb 8, 2017 |
| Property Address | 12 JAY CT, CARMEL, NY 10512-6045 |
| Document Number | 0020360192 |
| Book / Page | 2036 / 192 |
| Map Reference | MAP 130-L |
| Instrument Date | Jan 13, 2017 |
| Instrument | 1500392 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | ARL ABSTRACT CORP |
| Amount | Amount Recorded |
|---|---|
| Tax | $720.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12 JAY CT, 12, CARMEL, NY 10512-6045 |
| Name | Verified Name |
|---|---|
| Address | 45 JACQUELINE ST, NEW WINDSOR, NY 12553-8335 |
Source: Putnam County and Kent Town assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Putnam County |
| County Subdivision | Kent Town |
| Unified School District | Carmel Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $356,000 (+109.66%) Land $46,100 Building $309,900 | $356,000 (+44.25%) Land $46,100 Building $309,900 | |
| 2024 | $7,989.00 | $169,800 (-) Land $10,300 Building $159,500 | $246,802 (-) |
| 2023 | $169,800 (-) Land $10,300 Building $159,500 | $246,802 (+21.66%) Land $14,971 Building $231,831 | |
| 2022 | $169,800 Land $10,300 Building $159,500 | $202,867 Land $12,306 Building $190,561 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 3 (2011–2015) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Mar 2015 · other causes |
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 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 202 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 |
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