14 Tower Rd, Carmel, NY 10512 Property Records

Putnam County and Carmel Town property record for 14 Tower Rd, Carmel, NY 10512

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,170 sqft · built 1965
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$495,000 (Sep 2026)
Tax Bill	$9,325 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Oct 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`372000 55.13-1-34`

Property Details

APN / Parcel Number

Primary APN	`372000 55.13-1-34`
Alternative APNs	`200005501300010340000000` `337650`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,170 sqft Living Area
Gross Area	1,874 sqft
1st Floor Area	1,170 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Composition
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	3 ft deep x 105 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	352 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	576 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	337650
Street Address	14 TOWER RD
City	CARMEL
State	NY
Zip	10512-1923
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Subdivision	HILLTOP MANOR
Legal Block	1
Legal Lot Number	34.00
Jurisdiction	PUTNAM NY
Township / Civil Division	CARMEL
Census Block Group	2
Census Block	2004
Census Tract	11502

Owner

14 Tower Rd is owned by an individual who bought it in September 2026.

Source: Putnam County and Carmel Town records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	456 JANE ST, B, FORT LEE, NJ 07024-2603
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
Sep 22, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 11, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2026 · Amount on File
Deed Sale	Sep 22, 2026 · Amount on File
Deed Document Number	20266097
Deed Book / Page	2457 / 349
Prior Transfer Date	Aug 1, 2019
Prior Transfer Doc	0021320314
Record Updated	Oct 29, 2026

September 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	PUTNAM NY
Recording Date	Sep 22, 2026
Property Address	14 TOWER RD, CARMEL, NY 10512-1923
Document Number	0000006097
Book / Page	2457 / 349
Instrument Date	Sep 3, 2026
Instrument	20266097
Transaction Type	Transfer
Record Updated	Oct 12, 2026
Title Company	THE SECURITY TITLE GUARANTEE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$199,980.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	456 JANE ST, FORT LEE, NJ 07024-2603

Mortgage

Document Number	0000006098,
Date	Sep 22, 2026
Instrument	20266098

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PUTNAM NY
Recording Date	Oct 11, 2019
Property Address	14 TOWER RD, CARMEL, NY 10512-1923
Document Number	0021320314
Book / Page	002132 / 000314
Instrument Date	Aug 1, 2019
Instrument	14358
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	14 TOWER RD CARMEL NY 105121923, CARMEL, NY 10512-1923

Tax Assessment & Valuation

The 2025 property tax bill for 14 Tower Rd was $9,325, down 21.1% 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	$9,325.00 (-21.11%)	$402,200 (+7%) Land $63,800 Building $338,400	$402,200 (+7%) Land $63,800 Building $338,400
2024	$11,821.00	$375,900 (+7%) Land $63,800 Building $312,100	$375,900 (+7%) Land $63,800 Building $312,100
2023		$351,300 (+11%) Land $58,000 Building $293,300	$351,300 (+11%) Land $58,000 Building $293,300
2022		$316,500 Land $58,000 Building $258,500	$316,500 Land $58,000 Building $258,500
2020	$3,742.00

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

Flood

FEMA maps place 14 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 14 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

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