Putnam County and Carmel Town property record for 40 Joseph Dr, Carmel, NY 10512
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,396 sqft · built 2002 |
| Lot Size | 1.74 acres (75,794 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $830,000 (Nov 2004) |
| Tax Bill | $21,940 (2024) |
| Deeds & Mortgages | Jan 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 372000 66.17-1-16.7 |
| Primary APN | 372000 66.17-1-16.7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,396 sqft Living Area |
| Gross Area | 4,249 sqft |
| 1st Floor Area | 1,848 sqft |
| 2nd Floor Area | 1,260 sqft |
| Upper Floors Area | 288 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 75,794 sqft (1.74 acres) |
| Lot Dimensions | 305 ft deep x 228 ft wide |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 792 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Oil |
| Sewer | Connected |
| Account Number | 119201 |
|---|---|
| Street Address | 40 JOSEPH DR |
| City | CARMEL |
| State | NY |
| Zip | 10512-3801 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Block | 1 |
| Legal Lot Number | 16.00 |
| Jurisdiction | PUTNAM NY |
| Township / Civil Division | CARMEL |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 11600 |
40 Joseph Dr is owned and occupied by two individuals who bought it in November 2004.
Source: Putnam County and Carmel Town records, as of April 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 40 JOSEPH DR, CARMEL, NY 10512-3801 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 3, 2004 · Amount on File |
| Deed Sale | Nov 3, 2004 · Amount on File |
| Prior Sale | Jun 16, 2003 · Amount on File |
| Deed Book / Page | 1686 / 329 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 40 JOSEPH DR, CARMEL, NY 10512-3801 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2022 |
| Title Company | JUDICIAL TITLE INSURANCE AGENCY INC, JUDICIAL TITLE INS AGCY |
| Name | Verified Name |
|---|---|
| Address | 40 JOSEPH DR, CARMEL, NY 10512-3801 |
| Document Number | 0075600215 |
|---|---|
| Date | Jan 12, 2022 |
| Book Page | 7560/215 |
| Instrument | 418-2022 |
| Name | HUDSON VALLEY FCU |
|---|---|
| Type | Credit Union |
| Address | POUGHKEEPSIE, NY 12603 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
Source: Putnam County and Carmel Town assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Putnam County |
| County Subdivision | Carmel Town |
| Unified School District | Mahopac Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $871,300 Land $159,100 Building $712,200 | $871,300 Land $159,100 Building $712,200 | |
| 2024 | $21,940.00 | ||
| 2023 | $768,200 (+9%) Land $144,600 Building $623,600 | $768,200 (+9%) Land $144,600 Building $623,600 | |
| 2022 | $704,800 Land $144,600 Building $560,200 | $704,800 Land $144,600 Building $560,200 | |
| 2020 | $5,771.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40 Joseph Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.
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 | 2 (1978–1981) |
| Most Recent Claim | Apr 1981 · tidal / storm surge |
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 40 Joseph Dr 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 48 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 |
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