Putnam County and Carmel Town property record for 20 Avery Rd, Carmel, NY 10512
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,210 sqft · built 1964 |
| Lot Size | 0.59 acres (25,700 sqft) |
| Owner | Individual Name on File |
| Last Sale | $340,000 (Dec 2019) |
| Tax Bill | $13,789 (2024) |
| Deeds & Mortgages | Aug 2017 Mortgage Dec 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 372000 55.20-1-40 |
| Primary APN | 372000 55.20-1-40 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,210 sqft Living Area |
| 1st Floor Area | 1,330 sqft |
| Basement Area | 880 sqft |
| Finished Basement | 880 sqft |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 25,700 sqft (0.59 acres) |
| Lot Dimensions | 178 ft deep x 145 ft wide |
| View / Lot | Waterfront |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 144 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Account Number | 341150 |
|---|---|
| Street Address | 20 AVERY RD |
| City | CARMEL |
| State | NY |
| Zip | 10512-2512 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Subdivision | MAP OF RED OAK RIDGE SECTION 3 |
| Legal Block | 1 |
| Legal Lot Number | 40.00 |
| Jurisdiction | PUTNAM NY |
| Township / Civil Division | CARMEL |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 11501 |
20 Avery Rd is owned and occupied by an individual who bought it in December 2019.
Source: Putnam County and Carmel Town records, as of April 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 20 AVERY RD, CARMEL, NY 10512-2512 |
| 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.
| Date | Document |
|---|---|
| Aug 17, 2017 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Dec 19, 2019 | Bargain and Sale Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Aug 17, 2017 | Loan Modification, Consolidation and Extension, Mortgage · Conventional Mortgage NATIONSTAR MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 19, 2019 · Amount on File |
| Deed Sale | Dec 19, 2019 · Amount on File |
| Prior Sale | Jul 9, 1998 · Amount on File |
| Deed Document Number | 2019162992019 |
| Deed Book / Page | 2141 / 290 |
| Prior Transfer Date | Jul 1, 1998 |
| Prior Transfer Doc | 1433000328 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 20 AVERY RD, CARMEL, NY 10512-2512 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0067450299 |
|---|---|
| Date | Aug 17, 2017 |
| Book Page | 6745/299 |
| Instrument | 1602740 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 1, 2032 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | PUTNAM NY |
| Recording Date | Dec 19, 2019 |
| Property Address | 20 AVERY RD, CARMEL, NY 10512-2512 |
| Document Number | 0021410290 |
| Book / Page | 2141 / 290 |
| Map Reference | MAP 878B |
| Instrument Date | Dec 12, 2019 |
| Instrument | 16299-2019 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | ATTORNEYS TITLE INS AGCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,360.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 20 AVERY RD, 20, CARMEL, NY 10512-2512 |
| Name | Verified Name |
|---|---|
| Address | 126 DOUGLAS PALCE, DOBBS FERRY, NY 10522 |
| Document Number | 0007010267 |
|---|---|
| Date | Dec 19, 2019 |
| Instrument | 7010/267 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | PUTNAM NY |
| Recording Date | Aug 17, 2017 |
| Property Address | 20 AVERY RD, CARMEL, NY 10512-2512 |
| Document Number | 0067450318 |
| Book / Page | 006745 / 000318 |
| Instrument Date | Jul 24, 2017 |
| Instrument | 1602741 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 20 AVERY RD CARMEL NY 105122512, CARMEL, NY 10512-2512 |
| Document Number | 67450318 |
|---|---|
| Date | Aug 17, 2017 |
| Book Page | 006745/000318 |
| Instrument | 1602741 |
| Name | NATIONSTAR MTG |
|---|---|
| Type | Mortgage Company |
| Address | DALLAS, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 16, 2032 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.37% |
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 | $490,400 Land $95,600 Building $394,800 | $490,400 Land $95,600 Building $394,800 | |
| 2024 | $13,789.00 | ||
| 2023 | $428,300 (+10.99%) Land $86,900 Building $341,400 | $428,300 (+10.99%) Land $86,900 Building $341,400 | |
| 2022 | $385,900 Land $86,900 Building $299,000 | $385,900 Land $86,900 Building $299,000 | |
| 2020 | $4,361.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Avery Rd in Zone X, an area of minimal flood risk.
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 | 2 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.
Wildfire risk around 20 Avery 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 97% of the US · lower than 96% 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.
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 87 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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