Putnam County and Carmel Town property record for 2 Ridge Rd, Carmel, NY 10512
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,577 sqft · built 2017 |
| Lot Size | 0.57 acres (24,829 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $682,500 (Jun 2022) |
| Tax Bill | $22,027 (2024) |
| Deeds & Mortgages | Jun 2022 Mortgage Jun 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 372000 44.17-1-44 |
| Primary APN | 372000 44.17-1-44 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,577 sqft Living Area |
| Gross Area | 2,601 sqft |
| 1st Floor Area | 1,440 sqft |
| 2nd Floor Area | 1,137 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 24,829 sqft (0.57 acres) |
| Lot Dimensions | 125 ft deep x 166 ft wide |
| View / Lot | Waterfront |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 276 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 298120 |
|---|---|
| Street Address | 2 RIDGE RD |
| City | CARMEL |
| State | NY |
| Zip | 10512-1117 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Block | 1 |
| Legal Lot Number | 44.00 |
| Jurisdiction | PUTNAM NY |
| Township / Civil Division | CARMEL |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 11502 |
Source: Putnam County and Carmel Town records, as of May 27, 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 RIDGE RD, CARMEL, NY 10512-1117 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 27, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF AMERICA |
| Jun 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LUXURY MORTGAGE CORP |
| Jun 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LUXURY MORTGAGE CORP |
| Apr 15, 2019 | Quit Claim Deed, Transfer THOROUGHBRED TITLE SERVICES LLC, THOROUGHBRED TITLE SVCS LLC |
| Mar 28, 2019 | Bargain and Sale Deed, Transfer · Conventional Mortgage LUXURY MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 27, 2022 · Amount on Record |
| Deed Sale | Jun 27, 2022 · Amount on Record |
| Prior Sale | Mar 28, 2019 · Amount on Record |
| Deed Document Number | 20225979 |
| Deed Book / Page | 2278 / 36 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 2 RIDGE RD, CARMEL, NY 10512-1117 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2022 |
| Title Company | PRO NATIONAL TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Address | 184 NELSON AVE, HARRISON, NY 10528-2112 |
| Document Number | 0076690141 |
|---|---|
| Date | Jun 27, 2022 |
| Book Page | 7669/141 |
| Instrument | 5980-2022 |
| Name | FIRST NATIONAL BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | EAST LANSING, MI 48823 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 5, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 2 RIDGE RD, CARMEL, NY 10512-1117 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | FIRST CHOICE TITLE |
| Name | Verified Name |
|---|
| Document Number | 0071020321 |
|---|---|
| Date | Jun 25, 2020 |
| Book Page | 7102/321 |
| Instrument | 4887-2020 |
| Name | LUXURY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | STAMFORD, CT 06901 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 2 RIDGE RD, CARMEL, NY 10512-1117 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST CHOICE TITLE |
| Name | Verified Name |
|---|
| Document Number | 0071020309 |
|---|---|
| Date | Jun 25, 2020 |
| Book Page | 7102/309 |
| Instrument | 4886-2020 |
| Name | LUXURY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | STAMFORD, CT 06901 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 4, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | PUTNAM NY |
| Recording Date | Apr 15, 2019 |
| Property Address | 2 RIDGE RD, CARMEL, NY 10512-1117 |
| Document Number | 0021090106 |
| Book / Page | 002109 / 000106 |
| Instrument Date | Apr 15, 2019 |
| Instrument | 1500965 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2019 |
| Title Company | THOROUGHBRED TITLE SERVICES LLC, THOROUGHBRED TITLE SVCS LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 284 LAKESHORE DR E CARMEL NY 105126212, CARMEL, NY 10512-6212 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | PUTNAM NY |
| Recording Date | Mar 28, 2019 |
| Property Address | 2 RIDGE RD, CARMEL, NY 10512-1117 |
| Document Number | 0021080013 |
| Book / Page | 2108 / 013 |
| Map Reference | MAP 35A |
| Instrument Date | Mar 21, 2019 |
| Instrument | 1500838 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | ATTORNEYS TITLE INS AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,996.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 21 CHESTNUT RIDGE RD, 21, MAHOPAC, NY 10541-3321 |
| Name | Verified Name |
|---|---|
| Address | 35 WOODLAWN AVE # 1, 1, YONKERS, NY 10704-4348 |
| Document Number | 0001600859 |
|---|---|
| Date | Mar 28, 2019 |
| Instrument | 1600859 |
| Name | LUXURY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2049 |
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 | $777,800 (+14.5%) Land $80,600 Building $697,200 | $777,800 (+14.5%) Land $80,600 Building $697,200 | |
| 2024 | $22,027.00 (+238.04%) | ||
| 2023 | $679,300 (+11%) Land $73,300 Building $606,000 | $679,300 (+11%) Land $73,300 Building $606,000 | |
| 2022 | $612,000 Land $73,300 Building $538,700 | $612,000 Land $73,300 Building $538,700 | |
| 2020 | $6,516.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 170 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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