12 Tower Rd, Carmel, NY 10512 Property Records

Putnam County and Carmel Town property record for 12 Tower Rd, Carmel, NY 10512

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,922 sqft · built 1970
Lot Size	0.382 acres (16,675 sqft)
Owner	2 Trust Names on File
Tax Bill	$11,689 (2025)
Deeds & Mortgages	Aug 2026 Transfer May 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`372000 55.13-1-35`

Property Details

APN / Parcel Number

Primary APN	`372000 55.13-1-35`
Alternative APNs	`200005501300010350000000` `337623`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,922 sqft Living Area
Gross Area	2,082 sqft
1st Floor Area	1,250 sqft
Basement Area	672 sqft
Finished Basement	672 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Raised Ranch
Exterior Material	Composition/Composite
Lot Area	16,675 sqft (0.382 acres)
Lot Dimensions	145 ft deep x 115 ft wide
View / Lot	Waterfront
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Porch Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	337623
Street Address	12 TOWER RD
City	CARMEL
State	NY
Zip	10512-1923
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Block	1
Legal Lot Number	35.00
Jurisdiction	PUTNAM NY
Township / Civil Division	CARMEL
Census Block Group	2
Census Block	2004
Census Tract	11502

Owner

12 Tower Rd is owner-occupied and held in a trust since June 2026.

Source: Putnam County and Carmel Town records, as of September 15, 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	2 Trust Names on File
Mailing Address	12 TOWER RD, CARMEL, NY 10512-1923
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2026	Quit Claim Deed, Transfer SIMPLE TITLE, SIMPLIFILE
May 15, 2023	Deed of Trust, Mortgage · Line of Credit PCSB BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 25, 2026
Transfer Doc	0000005510
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PUTNAM NY
Recording Date	Aug 28, 2026
Property Address	12 TOWER RD, CARMEL, NY 10512-1923
Document Number	0000005510
Book / Page	2454 / 308
Instrument Date	Jun 25, 2026
Instrument	20265510
Transaction Type	Transfer
Record Updated	Sep 14, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	12 TOWER RD, CARMEL, NY 10512-1923

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	12 TOWER RD, CARMEL, NY 10512-1923
Transaction Type	Mortgage
Record Updated	Jun 6, 2023
Title Company	RES/TITLE INC, RES TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0077770315
Date	May 15, 2023
Book Page	7777/315
Instrument	2813-2023

Lender

Name	PCSB BANK
Type	Bank
Address	LINCOLN, RI 02865

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	May 13, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 12 Tower Rd was $11,689 with a veteran's exemption, down 12.4% from the year before.

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	$11,689.00 (-12.4%)	$467,800 Land $85,400 Building $382,400	$467,800 Land $85,400 Building $382,400
2024	$13,344.00
2023		$408,600 (+11%) Land $77,600 Building $331,000	$408,600 (+11%) Land $77,600 Building $331,000
2022		$368,100 Land $77,600 Building $290,500	$368,100 Land $77,600 Building $290,500
2020	$4,218.00

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

Flood

FEMA maps place 12 Tower Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 4, 2013

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 12 Tower Rd is low, with less than 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 99.1% of the US · lower than 99.2% of New York
Wildfire Likelihood	Under 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	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 137 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Tower Rd

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