Putnam County and Carmel Town property record for 2 Bella Rd, Carmel, NY 10512
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,090 sqft · built 1967 |
| Lot Size | 0.477 acres (20,800 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $307,400 (Jul 2016) |
| Tax Bill | $13,321 (2025) |
| Deeds & Mortgages | Jan 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 372000 54.8-1-28 |
| Primary APN | 372000 54.8-1-28 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,090 sqft Living Area |
| Gross Area | 1,342 sqft |
| 1st Floor Area | 1,090 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Architectural Style | Ranch |
| Exterior Material | Composition |
| Lot Area | 20,800 sqft (0.477 acres) |
| Lot Dimensions | 208 ft deep x 100 ft wide |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Account Number | 325455 |
|---|---|
| Street Address | 2 BELLA RD |
| City | CARMEL |
| State | NY |
| Zip | 10512-1004 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Subdivision | MAP OF NAULT ACRES FILED |
| Legal Block | 1 |
| Legal Lot Number | 28.00 |
| Jurisdiction | PUTNAM NY |
| Township / Civil Division | CARMEL |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 11502 |
Source: Putnam County and Carmel Town records, as of October 19, 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 | 2 BELLA RD, CARMEL, NY 10512-1004 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 6, 2016 · Amount on Record |
| Deed Sale | Jul 6, 2016 · Amount on Record |
| Prior Sale | Nov 21, 2008 · Amount on Record |
| Deed Document Number | 20161501665 |
| Deed Book / Page | 2015 / 376 |
| Prior Transfer Date | Mar 7, 2003 |
| Prior Transfer Doc | 1616000097 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 2 BELLA RD, CARMEL, NY 10512-1004 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2023 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 2 BELLA RD, CARMEL, NY 10512-1004 |
| Document Number | 0077430242 |
|---|---|
| Date | Jan 17, 2023 |
| Book Page | 7743/242 |
| Instrument | 259-2023 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 476 Months |
| Due | Sep 1, 2062 |
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 | $13,321.00 (+3.63%) | $439,900 (+14.5%) Land $91,200 Building $348,700 | $439,900 (+14.5%) Land $91,200 Building $348,700 |
| 2024 | $12,855.00 (+218.27%) | ||
| 2023 | $384,200 (+11.01%) Land $82,900 Building $301,300 | $384,200 (+11.01%) Land $82,900 Building $301,300 | |
| 2022 | $346,100 Land $82,900 Building $263,200 | $346,100 Land $82,900 Building $263,200 | |
| 2020 | $4,039.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 4, 2013 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 54% 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 23 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 |
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