18 Tower Rd, Carmel, NY 10512 Property Records

Putnam County and Carmel Town property record for 18 Tower Rd, Carmel, NY 10512

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,300 sqft · built 1967
Lot Size	0.411 acres (17,930 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Sep 2012)
Tax Bill	$12,442 (2024)
Deeds & Mortgages	Feb 2022 Mortgage Jun 2021 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`372000 55.13-1-32`

Property Details

APN / Parcel Number

Primary APN	`372000 55.13-1-32`
Alternative APNs	`200005501300010320000000` `337656`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,300 sqft Living Area
Gross Area	1,400 sqft
1st Floor Area	1,300 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	17,930 sqft (0.411 acres)
Lot Dimensions	163 ft deep x 110 ft wide
View / Lot	Waterfront
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Covered Porch
Porch Area	220 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	337656
Street Address	18 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 SECTION III
Legal Block	1
Legal Lot Number	32.00
Jurisdiction	PUTNAM NY
Township / Civil Division	CARMEL
Census Block Group	2
Census Block	2004
Census Tract	11502

Owner

18 Tower Rd is owned and occupied by an individual who bought it in September 2012.

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

Owner of Record	Individual Name on File
Mailing Address	18 TOWER RD, CARMEL, NY 10512-1923
Occupancy	Owner Occupied
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
Feb 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 7, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Aug 20, 2020	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2012 · Amount on File
Deed Sale	Sep 4, 2012 · Amount on File
Prior Sale	Jul 26, 1999 · Amount on File
Deed Document Number	20121501469
Deed Book / Page	1904 / 238
Prior Transfer Date	Aug 1, 2007
Prior Transfer Doc	0017820472
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	18 TOWER RD, CARMEL, NY 10512-1923
Transaction Type	Mortgage
Record Updated	Mar 15, 2022
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 TOWER RD, CARMEL, NY 10512-1923

Mortgage

Document Number	0075800221
Date	Feb 8, 2022
Book Page	7580/221
Instrument	1408-2022

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	18 TOWER RD, CARMEL, NY 10512-1923
Transaction Type	Mortgage
Record Updated	Jun 16, 2021
Title Company	SERVICELINK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 TOWER RD, CARMEL, NY 10512-1923

Mortgage

Document Number	0073730313
Date	Jun 7, 2021
Book Page	7373/313
Instrument	6765-2021

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	175 Months
Due	Jan 4, 2036

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	18 TOWER RD, CARMEL, NY 10512-1923
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 TOWER RD, CARMEL, NY 10512-1923

Mortgage

Document Number	0071350039
Date	Aug 20, 2020
Book Page	7135/39
Instrument	6520-2020

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	265 Months
Due	Sep 1, 2042

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		$424,800 (+7%) Land $87,100 Building $337,700	$424,800 (+7%) Land $87,100 Building $337,700
2024	$12,442.00	$397,000 (+7.01%) Land $87,100 Building $309,900	$397,000 (+7.01%) Land $87,100 Building $309,900
2023		$371,000 (+11.01%) Land $79,200 Building $291,800	$371,000 (+11.01%) Land $79,200 Building $291,800
2022		$334,200 Land $79,200 Building $255,000	$334,200 Land $79,200 Building $255,000
2020	$5,002.00

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

Flood

FEMA maps place 18 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 18 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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