Putnam County and Kent Town property record for 20 Lakeshore Dr E, Carmel, NY 10512
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,319 sqft · built 1950 |
| Lot Size | 0.57 acres (24,829 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $14,796 (2024) |
| Deeds & Mortgages | Dec 2021 Mortgage Mar 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 372200 33.73-1-32 |
| Primary APN | 372200 33.73-1-32 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 2,319 sqft Living Area |
| 1st Floor Area | 1,671 sqft |
| 2nd Floor Area | 648 sqft |
| Basement Area | 1,051 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 24,829 sqft (0.57 acres) |
| Lot Dimensions | 93 ft deep x 317 ft wide |
| View / Lot | Waterfront |
| Pool Type | Above-Ground Pool |
|---|---|
| Porch | Open Porch |
| Porch Area | 632 sqft |
| Patio Area | 140 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Account Number | 000050 |
|---|---|
| Street Address | 20 LAKESHORE DR E |
| City | CARMEL |
| State | NY |
| Zip | 10512-6010 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 |
| Legal Block | 1 |
| Legal Lot Number | 32.00 |
| Jurisdiction | PUTNAM NY |
| Township / Civil Division | KENT |
| Census Block Group | 4 |
| Census Block | 4039 |
| Census Tract | 10300 |
20 Lakeshore Dr E is owned and occupied by two individuals.
Source: Putnam County and Kent Town records, as of April 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 LAKESHORE DR E, CARMEL, NY 10512-6010 |
| 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 |
|---|---|
| Dec 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HUDSON VALLEY FCU |
| Mar 23, 2018 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 20 LAKESHORE DR E, CARMEL, NY 10512-6010 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2021 |
| Name | Verified Name |
|---|---|
| Address | 20 LAKESHORE DR E, CARMEL, NY 10512-6010 |
| Document Number | 0075430309 |
|---|---|
| Date | Dec 17, 2021 |
| Book Page | 7543/309 |
| Instrument | 14862-2021 |
| Name | HUDSON VALLEY FCU |
|---|---|
| Type | Credit Union |
| Address | POUGHKEEPSIE, NY 12603 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 20 LAKESHORE DR E, CARMEL, NY 10512-6010 |
| Document Number | 0068160166 |
| Instrument Date | Mar 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2018 |
| Title Company | RG AGENCY |
| Name | Verified Name |
|---|---|
| Address | 20 LAKESHORE DR E CARMEL NY 105126010, CARMEL, NY 10512-6010 |
| Document Number | 0068160166 |
|---|---|
| Date | Apr 10, 2018 |
| Book Page | 006816/000166 |
| Instrument | 1601071 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 9, 2048 |
Source: Putnam County and Kent Town assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Putnam County |
| County Subdivision | Kent Town |
| Unified School District | Carmel Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $580,000 Land $121,000 Building $459,000 | $580,000 Land $121,000 Building $459,000 | |
| 2024 | $14,796.00 | ||
| 2023 | $314,500 (-) Land $24,500 Building $290,000 | $457,122 (+21.66%) Land $35,610 Building $421,512 | |
| 2022 | $314,500 Land $24,500 Building $290,000 | $375,747 Land $29,271 Building $346,476 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Lakeshore Dr E in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 | 1 in force |
| Nearby Flood Claims | 7 (1979–2011) |
| Most Recent Claim | Sep 2011 · Hurricane Irene |
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 Lakeshore Dr E is low, with 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 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 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: FCC Broadband Data Collection, based on 306 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 |
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