2 Valley Rd, Carmel, NY 10512 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,062 sqft · built 1963
Lot Size	0.542 acres (23,625 sqft)
Owner	2 Individual Names on Record
Tax Bill	$13,653 (2024)
Deeds & Mortgages	May 2022 Sale & Mortgage Jun 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`372000 77.13-1-31`

Property Details

APN / Parcel Number

Primary APN	`372000 77.13-1-31`
Alternative APNs	`200007701300010310000000` `285400`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,062 sqft Living Area
Gross Area	3,016 sqft
1st Floor Area	1,362 sqft
Basement Area	700 sqft
Finished Basement	700 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Lot Area	23,625 sqft (0.542 acres)
Lot Dimensions	175 ft deep x 135 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Porch Area	450 sqft
Patio Area	252 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	285400
Street Address	2 VALLEY RD
City	CARMEL
State	NY
Zip	10512-4355
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Block	1
Legal Lot Number	31.00
Jurisdiction	PUTNAM NY
Township / Civil Division	CARMEL
Census Block Group	3
Census Block	3024
Census Tract	11600

Owner

Source: Putnam County and Carmel Town records, as of April 29, 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 VALLEY RD, CARMEL, NY 10512-4355
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2022	Bargain and Sale Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 3, 2020	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS
Jun 3, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Feb 8, 2018	Deed of Trust, Mortgage · Line of Credit WALLKILL VLY FED'L S&L
Nov 20, 2017	Quit Claim Deed, Transfer YOUR TITLE EXPERTS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 10, 2017
Transfer Doc	0020620046
Record Updated	Jun 8, 2026

May 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	PUTNAM NY
Recording Date	May 12, 2022
Property Address	2 VALLEY RD, CARMEL, NY 10512-4355
Document Number	0022720077
Book / Page	2272 / 77
Map Reference	MAP 1189
Instrument Date	Apr 26, 2022
Instrument	4596-2022
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	JUDICIAL TITLE INSURANCE AGENCY INC, JUDICIAL TITLE INS AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,940.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	101 HIGH VIEW DR, CARMEL, NY 10512-6132

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 VALLEY RD, CARMEL, NY 10512-4355

Mortgage

Document Number	0007644211
Date	May 12, 2022
Instrument	7644/211

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	2 VALLEY RD, CARMEL, NY 10512-4355
Document Number	0071000172
Instrument Date	Jun 3, 2020
Transaction Type	Mortgage
Record Updated	Jul 1, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2 VALLEY RD CARMEL NY 105124355, CARMEL, NY 10512-4355

Mortgage

Document Number	0071000172
Date	Jun 18, 2020
Book Page	007100/000172
Instrument	4711

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	660 Months
Due	Jun 17, 2075

Interest

Rate Type	Adjustable Rate
Rate	3.81%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	2 VALLEY RD, CARMEL, NY 10512-4355
Document Number	0071000188
Instrument Date	Jun 3, 2020
Transaction Type	Mortgage
Record Updated	Jul 1, 2020
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2 VALLEY RD CARMEL NY 105124355, CARMEL, NY 10512-4355

Mortgage

Document Number	0071000188
Date	Jun 18, 2020
Book Page	007100/000188
Instrument	4712

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	660 Months
Due	Jun 17, 2075

Interest

Rate Type	Adjustable Rate
Rate	3.81%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	2 VALLEY RD, CARMEL, NY 10512-4355
Document Number	0068060332
Instrument Date	Feb 8, 2018
Transaction Type	Mortgage
Record Updated	Mar 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 VALLEY RD CARMEL NY 105124355, CARMEL, NY 10512-4355

Mortgage

Document Number	0068060332
Date	Feb 28, 2018
Book Page	006806/000332
Instrument	1600665

Lender

Name	WALLKILL VLY FED'L S&L
Type	Federal Savings Bank
Address	WALLKILL, NY 12589-3136

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Feb 27, 2033

Interest

Rate Type	Adjustable Rate
Rate	4.5%

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PUTNAM NY
Recording Date	Nov 20, 2017
Property Address	2 VALLEY RD, CARMEL, NY 10512-4355
Document Number	0020620046
Book / Page	002062 / 000046
Instrument Date	Nov 10, 2017
Instrument	1502974
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	YOUR TITLE EXPERTS

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2 VALLEY RD CARMEL NY 105124355, CARMEL, NY 10512-4355

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		$533,900 (+6.99%) Land $86,400 Building $447,500	$533,900 (+6.99%) Land $86,400 Building $447,500
2024	$13,653.00	$499,000 (+5.01%) Land $86,400 Building $412,600	$499,000 (+5.01%) Land $86,400 Building $412,600
2023		$475,200 Land $78,500 Building $396,700	$475,200 Land $78,500 Building $396,700

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	UNION VALLEY ESTATES private · serves 273 people · EPA ID NY3905696
Water Source	Groundwater
Last State Inspection	Oct 2025

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 86 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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