17 Tower Rd, Carmel, NY 10512 Property Records

Putnam County and Carmel Town property record for 17 Tower Rd, Carmel, NY 10512

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,968 sqft · built 1983
Lot Size	0.346 acres (15,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$335,000 (Nov 2014)
Tax Bill	$13,924 (2024)
Deeds & Mortgages	Jan 2026 Second Mortgage Sep 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`372000 55.13-1-28`

Property Details

APN / Parcel Number

Primary APN	`372000 55.13-1-28`
Alternative APNs	`200005501300010280000000` `337660`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,968 sqft Living Area
1st Floor Area	1,392 sqft
Basement Area	576 sqft
Finished Basement	576 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	15,100 sqft (0.346 acres)
Lot Dimensions	151 ft deep x 100 ft wide
View / Lot	Waterfront
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	264 sqft
Patio Area	244 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	337660
Street Address	17 TOWER RD
City	CARMEL
State	NY
Zip	10512-1908
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Subdivision	HILLTOP MANOR
Legal Block	1
Legal Lot Number	28.00
Jurisdiction	PUTNAM NY
Township / Civil Division	CARMEL
Census Block Group	2
Census Block	2004
Census Tract	11502

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	17 TOWER RD, CARMEL, NY 10512-1908
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HUDSON VALLEY FCU
Sep 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Sep 14, 2017	Loan Modification, Consolidation and Extension, Mortgage · Conventional with PMI WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2014 · Amount on Record
Deed Sale	Nov 5, 2014 · Amount on Record
Deed Document Number	20141502360
Deed Book / Page	1964 / 56
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	17 TOWER RD, CARMEL, NY 10512-1908
Transaction Type	Mortgage
Record Updated	Feb 26, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 TOWER RD, CARMEL, NY 10512-1908

Mortgage

Document Number	0080670001
Date	Jan 27, 2026
Book Page	8067/1
Instrument	625-2026

Lender

Name	HUDSON VALLEY FCU
Type	Credit Union
Address	POUGHKEEPSIE, NY 12603

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 19, 2041

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	17 TOWER RD, CARMEL, NY 10512-1908
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067530222
Date	Sep 14, 2017
Book Page	6753/222
Instrument	1603118

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

September 2017: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	PUTNAM NY
Recording Date	Sep 14, 2017
Property Address	17 TOWER RD, CARMEL, NY 10512-1908
Document Number	0067530241
Book / Page	006753 / 000241
Instrument Date	Aug 17, 2017
Instrument	1603119
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	JT ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 TOWER RD CARMEL NY 105121908, CARMEL, NY 10512-1908

Mortgage

Document Number	67530241
Date	Sep 14, 2017
Book Page	006753/000241
Instrument	1603119

Lender

Name	WELLS FARGO BK
Type	Bank
Address	MINNEAPOLIS, MN 55467-8000

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 13, 2047

Interest

Rate Type	Fixed Rate
Rate	4.12%

Tax Assessment & Valuation

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		$479,400 (+14.5%) Land $83,700 Building $395,700	$479,400 (+14.5%) Land $83,700 Building $395,700
2024	$13,924.00 (+221.13%)
2023		$418,700 (+11%) Land $76,100 Building $342,600	$418,700 (+11%) Land $76,100 Building $342,600
2022		$377,200 Land $76,100 Building $301,100	$377,200 Land $76,100 Building $301,100
2020	$4,336.00

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

Flood

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

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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