20 Garrison Rd, Carmel, NY 10512 Property Records

Putnam County and Kent Town property record for 20 Garrison Rd, Carmel, NY 10512

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,736 sqft · built 1948
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$355,000 (Oct 2023)
Tax Bill	$9,606 (2024)
Deeds & Mortgages	Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`372200 22.66-1-27`

Property Details

APN / Parcel Number

Primary APN	`372200 22.66-1-27`
Alternative APNs	`220002206600010270000000` `050425`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,736 sqft Living Area
1st Floor Area	924 sqft
Basement Area	812 sqft
Finished Basement	812 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Ranch
Exterior Material	Concrete
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	100 ft deep x 111 ft wide
View / Lot	Waterfront
Pool Type	Above-Ground Pool
Pool Area	240 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Account Number	050425
Street Address	20 GARRISON RD
City	CARMEL
State	NY
Zip	10512-5628
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Block	1
Legal Lot Number	27.00
Jurisdiction	PUTNAM NY
Township / Civil Division	KENT
Census Block Group	1
Census Block	1040
Census Tract	10300

Owner

Source: Putnam County and Kent 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	Individual Name on Record
Mailing Address	9 OSCEOLA RD, CARMEL, NY 10512-6200
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2023 · Amount on Record
Deed Sale	Oct 6, 2023 · Amount on Record
Prior Sale	Sep 19, 1995 · Amount on Record
Deed Document Number	20235727
Deed Book / Page	2334 / 168
Record Updated	Oct 29, 2026

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	PUTNAM NY
Recording Date	Oct 6, 2023
Property Address	20 GARRISON RD, CARMEL, NY 10512-5628
Document Number	0023340168
Book / Page	2334 / 168
Map Reference	MAP 130-FF
Instrument Date	Sep 29, 2023
Instrument	5727-2023
Transaction Type	Transfer
Record Updated	Oct 25, 2023
Title Company	JUDICIAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,420.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20 GARRISON RD, CARMEL, NY 10512-5628

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 OSCEOLA RD, CARMEL, NY 10512-6200

Mortgage

Document Number	0078170237
Date	Oct 6, 2023
Book Page	7817/237
Instrument	5728-2023

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2053

Tax Assessment & Valuation

Source: Putnam County and Kent Town assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	New York
County	Putnam County
County Subdivision	Kent Town
Unified School District	Carmel Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$373,000 (+85.57%) Land $62,400 Building $310,600	$373,000 (+27.67%) Land $62,400 Building $310,600
2024	$9,606.00
2023		$201,000 (-) Land $14,800 Building $186,200	$292,151 (+21.66%) Land $21,512 Building $270,639
2022		$201,000 Land $14,800 Building $186,200	$240,143 Land $17,682 Building $222,461

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	3 in force
Nearby Flood Claims	4 (1978–2023)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jul 2023 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2023 · 2 claims

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	KENT WD 1 serves 360 people · EPA ID NY3905708
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	5 ppb (2019–2021) action level 15 ppb

Violations Reported to EPA

Water Quality	Gross alpha radiation currently in violation since Jan 2024
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 175 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20