Putnam County and Kent Town property record for 3 Sebago Rd, Carmel, NY 10512
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,040 sqft · built 1950 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $440,000 (Jun 2025) |
| Tax Bill | $11,762 (2024) |
| Deeds & Mortgages | Aug 2021 Sale & Mortgage Jan 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 372200 22.82-1-36 |
| Primary APN | 372200 22.82-1-36 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,040 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 100 ft deep x 100 ft wide |
| View / Lot | Waterfront |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Heating System | HVAC |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Account Number | 039701 |
|---|---|
| Street Address | 3 SEBAGO RD |
| City | CARMEL |
| State | NY |
| Zip | 10512-6219 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 |
| Legal Subdivision | SIXTH MAP OF LAKE CARMEL |
| Legal Block | 1 |
| Legal Lot Number | 36.00 |
| Jurisdiction | PUTNAM NY |
| Township / Civil Division | KENT |
| Census Block Group | 1 |
| Census Block | 1051 |
| Census Tract | 10300 |
3 Sebago Rd is owned by two individuals who bought it in June 2025.
Source: Putnam County and Kent Town records, as of April 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 28 MECHANIC ST, CARMEL, NY 10512-2212 |
| 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 |
|---|---|
| Aug 10, 2021 | Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jan 4, 2021 | Grant Deed, Transfer RG TITLE AGENCY, RG TITLE AGCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 25, 2025 · Amount on File |
| Deed Sale | Jun 25, 2025 · Amount on File |
| Prior Sale | Aug 10, 2021 · Amount on File |
| Deed Document Number | 20253640 |
| Deed Book / Page | 2402 / 119 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | PUTNAM NY |
| Recording Date | Aug 10, 2021 |
| Property Address | 3 SEBAGO RD, CARMEL, NY 10512-6219 |
| Document Number | 0022270027 |
| Book / Page | 2227 / 27 |
| Map Reference | MAP 130EE |
| Instrument Date | Jul 8, 2021 |
| Instrument | 9283-2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2021 |
| Title Company | NOT AVAILABLE, 1ST EQUITY NATL RECORDINGS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,340.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 539 HOSNER MOUNTAIN RD, 539, STORMVILLE, NY 12582-5329 |
| Name | Verified Name |
|---|---|
| Address | 675 ROUTE 6, MAHOPAC, NY 10541-1646 |
| Document Number | 74231 |
|---|---|
| Date | Aug 10, 2021 |
| Instrument | 7423/1 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jul 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | PUTNAM NY |
| Recording Date | Jan 4, 2021 |
| Property Address | 3 SEBAGO RD, CARMEL, NY 10512-6219 |
| Document Number | 0021930204 |
| Book / Page | 002193 / 000204 |
| Instrument Date | Dec 30, 2020 |
| Instrument | 29 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2021 |
| Title Company | RG TITLE AGENCY, RG TITLE AGCY |
| Amount | Amount on Record |
|---|---|
| Tax | $480.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 539 HOSNER MOUNTAIN RD STORMVILLE NY 125825329, STORMVILLE, NY 12582-5329 |
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 | $375,000 Land $56,000 Building $319,000 | $375,000 Land $56,000 Building $319,000 | |
| 2024 | $11,762.00 | ||
| 2023 | $250,000 (+18.6%) Land $25,000 Building $225,000 | $363,372 (+44.28%) Land $36,337 Building $327,035 | |
| 2022 | $210,800 Land $15,000 Building $195,800 | $251,852 Land $17,921 Building $233,931 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 3 Sebago Rd 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 | 3 in force |
| Nearby Flood Claims | 4 (1978–2023) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Jul 2023 · Severe Storms And Flooding |
| Claims by Event |
|
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 3 Sebago Rd 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 | Indirect within 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 207 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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