Putnam County and Patterson Town property record for 327 Towners Rd, Carmel, NY 10512
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,304 sqft · built 2022 |
| Lot Size | 1.82 acres (79,279 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $429,000 (Dec 2022) |
| Tax Bill | $13,141 (2024) |
| Deeds & Mortgages | Mar 2021 Construction Loan Dec 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 372400 33.-2-7 |
| Primary APN | 372400 33.-2-7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,304 sqft Living Area |
| 1st Floor Area | 1,600 sqft |
| Basement Area | 704 sqft |
| Finished Basement | 704 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 79,279 sqft (1.82 acres) |
| Lot Width | 155 ft Width |
| View / Lot | Waterfront |
| Garage Type | Basement |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 327 TOWNERS RD |
|---|---|
| City | CARMEL |
| State | NY |
| Zip | 10512-6319 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Block | 2 |
| Legal Lot Number | 7.000 |
| Jurisdiction | PUTNAM NY |
| Township / Civil Division | PATTERSON |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 10201 |
Source: Putnam County and Patterson 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 | 327 TOWNERS RD, CARMEL, NY 10512-6319 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 17, 2021 | Deed of Trust, Mortgage · Construction Mortgage THE GROSS FAMILY HOLDINGS LLC |
| Dec 8, 2022 | Deed, Transfer · Conventional Mortgage TOMPKINS TRUST CO |
| Feb 27, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 8, 2022 · Amount on Record |
| Deed Sale | Dec 8, 2022 · Amount on Record |
| Deed Document Number | 202210528 |
| Deed Book / Page | 2301 / 100 |
| Prior Transfer Date | Feb 16, 2017 |
| Prior Transfer Doc | 0020370309 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 327 TOWNERS RD, CARMEL, NY 10512-6319 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2024 |
| Name | Verified Name |
|---|---|
| Address | 72 OCEAN AVE, LONG BRANCH, NJ 07740-6728 |
| Document Number | 0073080107 |
|---|---|
| Date | Mar 17, 2021 |
| Book Page | 7308/107 |
| Instrument | 3522-2021 |
| Name | THE GROSS FAMILY HOLDINGS LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | PORT WASHINGTON, NY 11050 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | PUTNAM NY |
| Recording Date | Dec 8, 2022 |
| Property Address | 327 TOWNERS RD, CARMEL, NY 10512-6319 |
| Document Number | 0023010100 |
| Book / Page | 2301 / 100 |
| Map Reference | MAP 2190 |
| Instrument Date | Dec 6, 2022 |
| Instrument | 10528-2022 |
| Transaction Type | Transfer |
| Record Updated | Feb 26, 2024 |
| Title Company | THOROUGHBRED TITLE SERVICES LLC, THOROUGHBRED TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,716.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 77 AUSTIN RD, MAHOPAC, NY 10541-4811 |
| Name | Verified Name |
|---|---|
| Address | 114 WALNUT RD, LAKE PEEKSKILL, NY 10537-1503 |
| Document Number | 0007734289 |
|---|---|
| Date | Dec 8, 2022 |
| Instrument | 7734/289 |
| Name | TOMPKINS TRUST CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | PUTNAM NY |
| Recording Date | Feb 27, 2017 |
| Property Address | 327 TOWNERS RD, CARMEL, NY 10512-6319 |
| Document Number | 0020370309 |
| Book / Page | 002037 / 000309 |
| Instrument Date | Feb 16, 2017 |
| Instrument | 1500522 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Irrevocable Trust |
| Address | 91 LAKE DR MAHOPAC NY 105413655, MAHOPAC, NY 10541-3655 |
Source: Putnam County and Patterson Town assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Putnam County |
| County Subdivision | Patterson Town |
| Unified School District | Carmel Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $496,300 (+7.63%) Land $99,200 Building $397,100 | $496,300 (+7.63%) Land $99,200 Building $397,100 | |
| 2024 | $13,141.00 | $461,100 (+6%) Land $93,600 Building $367,500 | $461,100 (+6%) Land $93,600 Building $367,500 |
| 2023 | $435,000 (+74%) Land $88,300 Building $346,700 | $435,000 (+74%) Land $88,300 Building $346,700 | |
| 2022 | $250,000 Land $72,400 Building $177,600 | $250,000 Land $72,400 Building $177,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HILL SPARROW MASTER HOA private · serves 432 people · EPA ID NY3921704 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2026 |
| Also Mapped Here | MISTY HILLS WATER SYSTEM |
| Lead | 6 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 128 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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