27 Cornish Rd, Carmel, NY 10512 Property Records

Putnam County and Carmel Town property record for 27 Cornish Rd, Carmel, NY 10512

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,024 sqft · built 1980
Lot Size	0.63 acres (27,443 sqft)
Owner	2 Individual Names on Record
Last Sale	$825,000 (Sep 2023)
Tax Bill	$24,689 (2024)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Jan 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`372000 54.8-1-13`

Property Details

APN / Parcel Number

Primary APN	`372000 54.8-1-13`
Alternative APNs	`200005400800010130000000` `294500`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,024 sqft Living Area
Gross Area	4,054 sqft
1st Floor Area	1,417 sqft
2nd Floor Area	225 sqft
Upper Floors Area	1,382 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2007
Architectural Style	Contemporary
Exterior Material	Wood
Lot Area	27,443 sqft (0.63 acres)
Lot Dimensions	296 ft deep x 101 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	1,114 sqft
Patio Area	284 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	294500
Street Address	27 CORNISH RD
City	CARMEL
State	NY
Zip	10512-1005
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Subdivision	MAP OF THE WOOD LOT ETC
Legal Block	1
Legal Lot Number	13.00
Jurisdiction	PUTNAM NY
Township / Civil Division	CARMEL
Census Block Group	1
Census Block	1015
Census Tract	11502

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 Record	2 Individual Names on Record
Mailing Address	26 TACONIC RD, MILLWOOD, NY 10546-1124
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2023	Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Jan 19, 2021	Deed, Transfer RIVERSIDE ABSTRACT LLC
Jan 30, 2018	Bargain and Sale Deed, Transfer · ARM WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2023 · Amount on Record
Deed Sale	Sep 8, 2023 · Amount on Record
Prior Sale	Jan 19, 2021 · Amount on Record
Deed Document Number	20235115
Deed Book / Page	2331 / 78
Record Updated	Oct 29, 2026

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	PUTNAM NY
Recording Date	Sep 8, 2023
Property Address	27 CORNISH RD, CARMEL, NY 10512-1005
Document Number	0023310078
Book / Page	2331 / 78
Map Reference	MAP 1038
Instrument Date	Aug 31, 2023
Instrument	5115-2023
Transaction Type	Transfer
Record Updated	Sep 27, 2023
Title Company	JUDICIAL TITLE INS AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	27 CORNISH RD, CARMEL, NY 10512-1005

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26 TACONIC RD, MILLWOOD, NY 10546-1124

Mortgage

Document Number	0078090001
Date	Sep 11, 2023
Book Page	7809/1
Instrument	5116-2023

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

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

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	PUTNAM NY
Recording Date	Jan 19, 2021
Property Address	27 CORNISH RD, CARMEL, NY 10512-1005
Document Number	0021960124
Book / Page	2196 / 124
Instrument Date	Jan 13, 2021
Instrument	755-2021
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	RIVERSIDE ABSTRACT LLC

Transaction

Amount	Amount Recorded
Tax	$2,692.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13388 W LAKE RD, 13388, HAMMONDSPORT, NY 14840-8539

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 NOTTINGHAM RD, BEDFORD HILLS, NY 10507-1128

January 2018: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	PUTNAM NY
Recording Date	Jan 30, 2018
Property Address	27 CORNISH RD, CARMEL, NY 10512-1005
Document Number	0020690196
Book / Page	2069 / 196
Instrument Date	Jan 16, 2018
Instrument	1500331
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	PRO NATIONAL TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,440.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	27 CROSS RD, 27, CARMEL, NY 10512-2503

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 CORNISH RD, CARMEL, NY 10512-1005

Mortgage

Document Number	0001600380
Date	Jan 30, 2018
Instrument	1600380

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Feb 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.12%
Index	LIBOR
Max Rate	8.12%

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		$874,700 (+14.49%) Land $116,400 Building $758,300	$874,700 (+14.49%) Land $116,400 Building $758,300
2024	$24,689.00 (+6.03%)
2023		$764,000 (+11%) Land $105,800 Building $658,200	$764,000 (+11%) Land $105,800 Building $658,200
2022		$688,300 Land $105,800 Building $582,500	$688,300 Land $105,800 Building $582,500
2021	$23,286.00 (+215.7%)
2020	$7,376.00

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 · 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	3 in force

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	Direct burnable vegetation

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 20 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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