2 Hemlock Rd, Carmel, NY 10512 Property Records

Putnam County and Carmel Town property record for 2 Hemlock Rd, Carmel, NY 10512

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,540 sqft · built 1948
Lot Size	0.427 acres (18,620 sqft)
Owner	Individual Name on Record
Last Sale	$335,000 (Jan 2004)
Tax Bill	$12,220 (2024)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`372000 77.18-1-17`

Property Details

APN / Parcel Number

Primary APN	`372000 77.18-1-17`
Alternative APNs	`200007701800010170000000` `079260`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,540 sqft Living Area
Gross Area	2,176 sqft
1st Floor Area	1,144 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	18,620 sqft (0.427 acres)
Lot Dimensions	95 ft deep x 196 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Pool Area	516 sqft
Porch	Open Porch
Porch Area	500 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Account Number	079260
Street Address	2 HEMLOCK RD
City	CARMEL
State	NY
Zip	10512-3902
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Subdivision	MAP OF HEMLOCK LAKE HEIGHTS
Legal Block	1
Legal Lot Number	17.00
Jurisdiction	PUTNAM NY
Township / Civil Division	CARMEL
Census Block Group	3
Census Block	3028
Census Tract	11600

Owner

Source: Putnam County and Carmel Town records, as of June 15, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	2 HEMLOCK RD, CARMEL, NY 10512-3902
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Apr 17, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Aug 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Aug 27, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 16, 2004 · Amount on Record
Deed Sale	Jan 16, 2004 · Amount on Record
Deed Book / Page	1651 / 183
Prior Transfer Date	Nov 17, 2000
Prior Transfer Doc	0015470231
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Recording Date	Apr 20, 2026
Property Address	2 HEMLOCK RD, CARMEL, NY 10512-3902
Document Number	0000002584
Book / Page	8097 / 273
Instrument Date	Apr 10, 2026
Instrument	20262584
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ROCKET CLOSE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 HEMLOCK RD, CARMEL, NY 10512-3902

Mortgage

Document Number	0000002584,
Date	Apr 20, 2026
Book Page	8097/273
Instrument	20262584

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	2 HEMLOCK RD, CARMEL, NY 10512-3902
Transaction Type	Mortgage
Record Updated	May 4, 2023
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 HEMLOCK RD, KENT LAKES, NY 10512-3902

Mortgage

Document Number	0077690169
Date	Apr 17, 2023
Book Page	7769/169
Instrument	2231-2023

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 3, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	2 HEMLOCK RD, CARMEL, NY 10512-3902
Transaction Type	Mortgage
Record Updated	Sep 8, 2021
Title Company	MORTGAGE CONNECT LP, MORTGAGE CONNECT LP VENDOR

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 HEMLOCK RD, CARMEL, NY 10512-3902

Mortgage

Document Number	0074360241
Date	Aug 25, 2021
Book Page	7436/241
Instrument	9895-2021

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2036

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	2 HEMLOCK RD, CARMEL, NY 10512-3902
Document Number	0069780229
Instrument Date	Aug 27, 2019
Transaction Type	Mortgage
Record Updated	Oct 30, 2019
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 HEMLOCK RD CARMEL NY 105123902, CARMEL, NY 10512-3902

Mortgage

Document Number	0069780229
Date	Oct 15, 2019
Book Page	006978/000229
Instrument	14392

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 14, 2049

Interest

Rate Type	Adjustable Rate

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	Mahopac Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$473,600 (+7%) Land $88,300 Building $385,300	$473,600 (+7%) Land $88,300 Building $385,300
2024	$12,220.00 (+270.98%)	$442,600 (+5.01%) Land $88,300 Building $354,300	$442,600 (+5.01%) Land $88,300 Building $354,300
2023		$421,500 (+11.01%) Land $80,300 Building $341,200	$421,500 (+11.01%) Land $80,300 Building $341,200
2022		$379,700 Land $80,300 Building $299,400	$379,700 Land $80,300 Building $299,400
2020	$3,294.00

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 · 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	4 in force
Nearby Flood Claims	2 (1978–1981)
Most Recent Claim	Apr 1981 · tidal / storm surge

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.

Wildfire

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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 35 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

Cell Coverage

5G (outdoors only) and 4G LTE

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