Putnam County and Carmel Town property record for 17 Willow Rd, Carmel, NY 10512
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,524 sqft · built 1990 |
| Lot Size | 1.13 acres (49,223 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $911,000 (Nov 2023) |
| Tax Bill | $24,956 (2024) |
| Deeds & Mortgages | Apr 2026 Mortgage Nov 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 372000 55.9-1-69.3 |
| Primary APN | 372000 55.9-1-69.3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,524 sqft Living Area |
| 1st Floor Area | 2,146 sqft |
| 2nd Floor Area | 378 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Contemporary |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 49,223 sqft (1.13 acres) |
| View / Lot | Waterfront |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 700 sqft |
| Porch | Open Porch |
| Porch Area | 948 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 17 WILLOW RD |
|---|---|
| City | CARMEL |
| State | NY |
| Zip | 10512-1809 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Block | 1 |
| Legal Lot Number | 69.00 |
| Jurisdiction | PUTNAM NY |
| Township / Civil Division | CARMEL |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 11502 |
17 Willow Rd is owned by two individuals who bought it in November 2023.
Source: Putnam County and Carmel Town records, as of April 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1661 SUMMERFIELD ST, IA, RIDGEWOOD, NY 11385-3384 |
| 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.
| Date | Document |
|---|---|
| Apr 6, 2026 | Deed of Trust, Mortgage · Conventional Mortgage BOSTON NATIONAL TITLE AGENCY |
| Nov 13, 2023 | Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Oct 11, 2022 | Bargain and Sale Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 13, 2023 · Amount on File |
| Deed Sale | Nov 13, 2023 · Amount on File |
| Prior Sale | Oct 11, 2022 · Amount on File |
| Deed Document Number | 20236472 |
| Deed Book / Page | 2338 / 210 |
| Prior Transfer Date | Jul 27, 2015 |
| Prior Transfer Doc | 0019870203 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Recording Date | Apr 6, 2026 |
| Property Address | 17 WILLOW RD, CARMEL, NY 10512-1809 |
| Document Number | 0000002257 |
| Book / Page | 8092 / 121 |
| Instrument Date | Mar 10, 2026 |
| Instrument | 20262257 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | BOSTON NATIONAL TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 17 WILLOW RD, CARMEL, NY 10512-1809 |
| Document Number | 0000002257, |
|---|---|
| Date | Apr 6, 2026 |
| Book Page | 8092/121 |
| Instrument | 20262257 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.09% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | PUTNAM NY |
| Recording Date | Nov 13, 2023 |
| Property Address | 17 WILLOW RD, CARMEL, NY 10512-1809 |
| Document Number | 0023380210 |
| Book / Page | 2338 / 210 |
| Instrument Date | Nov 3, 2023 |
| Instrument | 6472-2023 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,644.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 514 PINEBROOK BLVD, NEW ROCHELLE, NY 10804-3427 |
| Name | Verified Name |
|---|---|
| Address | 1661 SUMMERFIELD ST APT 1A, 1A, RIDGEWOOD, NY 11385-3385 |
| Document Number | 0007827185 |
|---|---|
| Date | Nov 13, 2023 |
| Instrument | 7827/185 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | PUTNAM NY |
| Recording Date | Oct 11, 2022 |
| Property Address | 17 WILLOW RD, CARMEL, NY 10512-1809 |
| Document Number | 0022930156 |
| Book / Page | 2293 / 156 |
| Map Reference | MAP 2454 |
| Instrument Date | Oct 4, 2022 |
| Instrument | 9030-2022 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2022 |
| Title Company | THOROUGHBRED TITLE SERVICES LLC, THOROUGHBRED TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,196.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 17 WILLOW RD, 17, CARMEL, NY 10512-1809 |
| Name | Verified Name |
|---|---|
| Address | 4 OTSEGO AVE, NEW ROCHELLE, NY 10804-3517 |
| Document Number | 0000771424 |
|---|---|
| Date | Oct 11, 2022 |
| Instrument | 7714/24 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
Source: Putnam County and Carmel Town assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Putnam County |
| County Subdivision | Carmel Town |
| Unified School District | Carmel Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $899,500 (+6.99%) Land $110,800 Building $788,700 | $899,500 (+6.99%) Land $110,800 Building $788,700 | |
| 2024 | $24,956.00 | $840,700 (+11.45%) Land $110,800 Building $729,900 | $840,700 (+11.45%) Land $110,800 Building $729,900 |
| 2023 | $754,300 (+40.07%) Land $100,700 Building $653,600 | $754,300 (+40.07%) Land $100,700 Building $653,600 | |
| 2022 | $538,500 Land $100,700 Building $437,800 | $538,500 Land $100,700 Building $437,800 | |
| 2020 | $5,914.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 17 Willow 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 risk around 17 Willow Rd 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 94% of the US · lower than 91% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 101 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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