21 William St, Carmel, NY 10512 Property Records

Putnam County and Kent Town property record for 21 William St, Carmel, NY 10512

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,524 sqft · built 1966
Lot Size	0.51 acres (22,216 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (Apr 2020)
Tax Bill	$12,703 (2024)
Deeds & Mortgages	Dec 2021 Mortgage May 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`372200 22.18-1-4`

Property Details

APN / Parcel Number

Primary APN	`372200 22.18-1-4`
Alternative APNs	`220002201800010040000000` `115051`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,524 sqft Living Area
1st Floor Area	1,144 sqft
Basement Area	380 sqft
Finished Basement	380 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 2000
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	22,216 sqft (0.51 acres)
Lot Dimensions	175 ft deep x 125 ft wide
View / Lot	Waterfront
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	5,000 sqft
Porch	Open Porch
Porch Area	334 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Account Number	115051
Street Address	21 WILLIAM ST
City	CARMEL
State	NY
Zip	10512-4714
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Block	1
Legal Lot Number	4.000
Jurisdiction	PUTNAM NY
Township / Civil Division	KENT
Census Block Group	1
Census Block	1003
Census Tract	10400

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	2 Individual Names on Record
Mailing Address	21 WILLIAM ST, CARMEL, NY 10512-4714
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
May 29, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
May 29, 2018	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Apr 28, 2020	Bargain and Sale Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Apr 17, 2018	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2020 · Amount on Record
Deed Sale	Apr 28, 2020 · Amount on Record
Prior Sale	Dec 12, 2001 · Amount on Record
Deed Document Number	202032292020
Deed Book / Page	2156 / 226
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	21 WILLIAM ST, CARMEL, NY 10512-4714
Transaction Type	Mortgage
Record Updated	Jan 12, 2022
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 WILLIAM ST, CARMEL, NY 10512-4714

Mortgage

Document Number	0075500169
Date	Dec 28, 2021
Book Page	7550/169
Instrument	15199-2021

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	21 WILLIAM ST, CARMEL, NY 10512-4714
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068280218
Date	May 29, 2018
Book Page	6828/218
Instrument	1601564

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2038

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	21 WILLIAM ST, CARMEL, NY 10512-4714
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068280211
Date	May 29, 2018
Book Page	6828/211
Instrument	1601563

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	PUTNAM NY
Recording Date	Apr 28, 2020
Property Address	21 WILLIAM ST, CARMEL, NY 10512-4714
Document Number	0021560226
Book / Page	2156 / 226
Map Reference	MAP 1041
Instrument Date	Apr 8, 2020
Instrument	3229-2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	NEW ALLIANCE ABSTRACT CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,360.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21 WILLIAM ST, 21, CARMEL, NY 10512-4714

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	258 MILE SQUARE RD, YONKERS, NY 10701-5338
Investor	Possibly a Property Investor

Mortgage

Document Number	0007070175
Date	Apr 28, 2020
Instrument	7070/175

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	PUTNAM NY
Property Address	21 WILLIAM ST, CARMEL, NY 10512-4714
Document Number	0068280236
Instrument Date	Apr 17, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	21 WILLIAM ST CARMEL NY 105124714, CARMEL, NY 10512-4714

Mortgage

Document Number	0068280236
Date	May 29, 2018
Book Page	006828/000236
Instrument	1601565

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 28, 2038

Interest

Rate	4.49%

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		$450,000 (+67.1%) Land $68,000 Building $382,000	$450,000 (+14.96%) Land $68,000 Building $382,000
2024	$12,703.00
2023		$269,300 (-) Land $21,500 Building $247,800	$391,424 (+21.66%) Land $31,250 Building $360,174
2022		$269,300 Land $21,500 Building $247,800	$321,744 Land $25,687 Building $296,057

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	4 in force
Nearby Flood Claims	4 (1979–2026)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jul 2026 · other causes

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 2 serves 276 people · EPA ID NY3905702
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	6 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 131 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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