21 Tower Rd, Carmel, NY 10512 Property Records

Putnam County and Carmel Town property record for 21 Tower Rd, Carmel, NY 10512

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,762 sqft · built 1975
Lot Size	0.388 acres (16,900 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Sep 2017)
Tax Bill	$14,766 (2024)
Deeds & Mortgages	Sep 2021 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`372000 55.13-1-30`

Property Details

APN / Parcel Number

Primary APN	`372000 55.13-1-30`
Alternative APNs	`37200005501300010300000000` `337658`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,762 sqft Living Area
1st Floor Area	1,186 sqft
Basement Area	576 sqft
Finished Basement	576 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Split Level
Exterior Material	Composition/Composite
Lot Area	16,900 sqft (0.388 acres)
Lot Dimensions	169 ft deep x 100 ft wide
View / Lot	Waterfront
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Pool Type	Above-Ground Pool
Porch	Porch
Porch Area	308 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	337658
Street Address	21 TOWER RD
City	CARMEL
State	NY
Zip	10512-1908
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Subdivision	MAP OF HILLTOP MANOR SECTION II
Legal Block	1
Legal Lot Number	30.00
Jurisdiction	PUTNAM NY
Township / Civil Division	CARMEL
Census Block Group	2
Census Block	2004
Census Tract	11502

Owner

21 Tower Rd is owned and occupied by two individuals who bought it in September 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	21 TOWER RD, CARMEL, NY 10512-1908
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Sep 6, 2017	Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2017 · Amount on File
Deed Sale	Sep 6, 2017 · Amount on File
Prior Sale	Jan 28, 2004 · Amount on File
Deed Document Number	20171502263
Deed Book / Page	2055 / 24
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	21 TOWER RD, CARMEL, NY 10512-1908
Transaction Type	Mortgage
Record Updated	Oct 20, 2021
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 TOWER RD, KENT LAKES, NY 10512-1908

Mortgage

Document Number	0074730024
Date	Sep 30, 2021
Book Page	7473/24
Instrument	11455-2021

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	21 TOWER RD, CARMEL, NY 10512-1908
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 TOWER RD, CARMEL, NY 10512-1908

Mortgage

Document Number	0072190253
Date	Dec 14, 2020
Book Page	7219/253
Instrument	11097-2020

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2041

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	PUTNAM NY
Recording Date	Sep 6, 2017
Property Address	21 TOWER RD, CARMEL, NY 10512-1908
Document Number	0020550024
Book / Page	2055 / 024
Map Reference	MAP 950-B
Instrument Date	Aug 22, 2017
Instrument	1502263
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	PYRAMID TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21 TOWER RD, 21, CARMEL, NY 10512-1908

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	80 CARROLL ST, WATERTOWN, MA 02472-3335

Mortgage

Document Number	0001602981
Date	Sep 6, 2017
Instrument	1602981

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2047

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	Carmel Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$510,300 Land $86,000 Building $424,300	$510,300 Land $86,000 Building $424,300
2024	$14,766.00
2023		$445,700 (+17.44%) Land $78,200 Building $367,500	$445,700 (+17.44%) Land $78,200 Building $367,500
2022		$379,500 Land $78,200 Building $301,300	$379,500 Land $78,200 Building $301,300
2020	$4,360.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 21 Tower Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 4, 2013

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 21 Tower 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 94% of the US · lower than 93% 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.

Drinking Water

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 137 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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