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20 Tower Rd, Carmel, NY 10512 Property Records

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

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,352 sqft · built 1963
Lot Size0.414 acres (18,040 sqft)
OwnerIndividual Name on Record
Last Sale$222,000 (Aug 1996)
Tax Bill$14,536 (2024)
Deeds & MortgagesMar 2019 Mortgage
May 2017 Transfer
Flood ZoneZone X (minimal risk)
APN372000 55.13-1-31

Property Details

APN / Parcel Number

Primary APN372000 55.13-1-31
Alternative APNs
  • 200005501300010310000000
  • 337657

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area2,352 sqft Living Area
1st Floor Area1,624 sqft
Basement Area728 sqft
Finished Basement728 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1963
Effective Year BuiltEffective 1963
Architectural StyleRaised Ranch
Exterior MaterialComposition/Composite
Lot Area18,040 sqft (0.414 acres)
Lot Dimensions164 ft deep x 110 ft wide
View / LotWaterfront
Garage TypeBasement
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area624 sqft

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number337657
Street Address20 TOWER RD
CityCARMEL
StateNY
Zip10512-1923
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR
Legal SubdivisionMAP OF HILLTOP MANOR SECTION THREE
Legal Block1
Legal Lot Number31.00
JurisdictionPUTNAM NY
Township / Civil DivisionCARMEL
Census Block Group2
Census Block2004
Census Tract11502

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 RecordIndividual Name on Record
Mailing Address20 TOWER RD, CARMEL, NY 10512-1923
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 18, 2019Deed of Trust, Mortgage · Conventional Mortgage
MAHOPAC BK
May 22, 2017Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 20, 1996 · Amount on Record
Deed SaleAug 20, 1996 · Amount on Record
Deed Book / Page1351 / 288
Last Transfer DateJun 6, 2002
Transfer Doc0015910014
Record UpdatedOct 29, 2026

March 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPUTNAM NY
Property Address20 TOWER RD, CARMEL, NY 10512-1923
Document Number0069040246
Instrument DateMar 18, 2019
Transaction TypeMortgage
Record UpdatedApr 17, 2019
Title CompanyMAJOR ABSTRACT CORPORATION, MAJOR ABS CORP

Transferred To (Grantee/Buyer)

NameVerified Name
Address20 TOWER RD CARMEL NY 105121923, CARMEL, NY 10512-1923

Mortgage

Document Number0069040246
DateApr 5, 2019
Book Page006904/000246
Instrument1600941
Lender
NameMAHOPAC BK
TypeBank
AddressBREWSTER, NY 10509
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 4, 2049

May 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionPUTNAM NY
Recording DateMay 22, 2017
Property Address20 TOWER RD, CARMEL, NY 10512-1923
Document Number0020450009
Book / Page002045 / 000009
Instrument DateMay 16, 2017
Instrument1501262
Transaction TypeTransfer
Record UpdatedJun 20, 2017
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address20 TOWER RD CARMEL NY 105121923, CARMEL, NY 10512-1923

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew York
CountyPutnam County
County SubdivisionCarmel Town
Unified School DistrictCarmel Central School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$514,800 (+7%) Land $87,100 Building $427,700$514,800 (+7%) Land $87,100 Building $427,700
2024$14,536.00 (+247%)$481,100 (+7.01%) Land $87,100 Building $394,000$481,100 (+7.01%) Land $87,100 Building $394,000
2023$449,600 (+11.01%) Land $79,200 Building $370,400$449,600 (+11.01%) Land $79,200 Building $370,400
2022$405,000 Land $79,200 Building $325,800$405,000 Land $79,200 Building $325,800
2020$4,189.00

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.1% of the US · lower than 99.2% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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 SystemCARMEL WD 2
serves 5,000 people · EPA ID NY3903641
Water SourceSurface water
Last State InspectionMar 2025
Lead7 ppb (2020–2022)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 137 locations within half a mile, as of December 31, 2025

ProviderMax 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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