19 Tower Rd, Carmel, NY 10512 Property Records

Putnam County and Carmel Town property record for 19 Tower Rd, Carmel, NY 10512

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,720 sqft · built 1983
Lot Size	0.355 acres (15,500 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (Jun 2016)
Tax Bill	$17,937 (2024)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`372000 55.13-1-29`

Property Details

APN / Parcel Number

Primary APN	`372000 55.13-1-29`
Alternative APNs	`200005501300010290000000` `337659`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,720 sqft Living Area
Gross Area	3,188 sqft
1st Floor Area	1,644 sqft
Basement Area	1,076 sqft
Finished Basement	1,076 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Lot Area	15,500 sqft (0.355 acres)
Lot Dimensions	155 ft deep x 100 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	344 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	337659
Street Address	19 TOWER RD
City	CARMEL
State	NY
Zip	10512-1908
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Subdivision	MAP OF HILLTOP MANOR
Legal Block	1
Legal Lot Number	29.00
Jurisdiction	PUTNAM NY
Township / Civil Division	CARMEL
Census Block Group	2
Census Block	2004
Census Tract	11502

Owner

19 Tower Rd is owned and occupied by two individuals who bought it in June 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	19 TOWER RD, CARMEL, NY 10512-1908
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2016 · Amount on File
Deed Sale	Jun 14, 2016 · Amount on File
Prior Sale	Aug 10, 2007 · Amount on File
Deed Document Number	20161501477
Deed Book / Page	2013 / 491
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	19 TOWER RD, CARMEL, NY 10512-1908
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 TOWER RD, CARMEL, NY 10512-1908

Mortgage

Document Number	0072060236
Date	Nov 30, 2020
Book Page	7206/236
Instrument	10418-2020

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

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		$626,900 Land $84,300 Building $542,600	$626,900 Land $84,300 Building $542,600
2024	$17,937.00
2023		$547,600 (+11.01%) Land $76,600 Building $471,000	$547,600 (+11.01%) Land $76,600 Building $471,000
2022		$493,300 Land $76,600 Building $416,700	$493,300 Land $76,600 Building $416,700
2020	$4,794.00

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

Flood

FEMA maps place 19 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 19 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 94% of the US · lower than 93% 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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