405 Chestnut Dr, Carmel, NY 10512 Property Records

Putnam County and Southeast Town property record for 405 Chestnut Dr, Carmel, NY 10512

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 1,060 sqft · built 1989
Lot Size	0.01 acres (436 sqft)
Owner	Individual Name on File
Last Sale	$186,000 (May 2017)
Tax Bill	$9,064 (2024)
Deeds & Mortgages	Jan 2023 Second Mortgage Jun 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`373089 44.-1-16.-405`

Property Details

APN / Parcel Number

Primary APN	`373089 44.-1-16.-405`
Alternative APN	`308904400000010160000405`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,060 sqft Living Area
1st Floor Area	1,060 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Lot Area	436 sqft (0.01 acres)
View / Lot	Waterfront

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	405 CHESTNUT DR
City	CARMEL
State	NY
Zip	10512-2665
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF
Legal Block	1
Legal Lot Number	16.00
Jurisdiction	PUTNAM NY
Township / Civil Division	SOUTHEAST
Census Block Group	4
Census Block	4007
Census Tract	11802

Owner

405 Chestnut Dr is owned and occupied by an individual who bought it in May 2017.

Source: Putnam County and Southeast Town records, as of April 29, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	405 CHESTNUT DR, CARMEL, NY 10512-2665
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HUDSON VALLEY FCU
Jun 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage HUDSON VLY CU
May 3, 2017	Bargain and Sale Deed, Transfer FORTRESS NY TITLE AGENCY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2017 · Amount on File
Deed Sale	May 3, 2017 · Amount on File
Prior Sale	Sep 21, 2015 · Amount on File
Deed Document Number	20171501095
Deed Book / Page	2043 / 199
Prior Transfer Date	Aug 26, 2015
Prior Transfer Doc	0019900434
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	405 CHESTNUT DR, CARMEL, NY 10512-2665
Transaction Type	Mortgage
Record Updated	Jan 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 CHESTNUT DR, CARMEL, NY 10512-2665

Mortgage

Document Number	0077410013
Date	Jan 4, 2023
Book Page	7741/13
Instrument	68-2023

Lender

Name	HUDSON VALLEY FCU
Type	Credit Union
Address	POUGHKEEPSIE, NY 12603

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	83 Months
Due	Dec 28, 2029

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	405 CHESTNUT DR, CARMEL, NY 10512-2665
Document Number	0067290459
Book / Page	006729 / 000459
Instrument Date	Jun 14, 2017
Transaction Type	Mortgage
Record Updated	Sep 5, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 CHESTNUT DR CARMEL NY 105122665, CARMEL, NY 10512-2665

Mortgage

Document Number	0067290459
Date	Jul 5, 2017
Book Page	006729/000459
Instrument	1602097

Lender

Name	HUDSON VLY CU
Type	Credit Union
Address	POUGHKEEPSIE, NY 12603

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 4, 2032

May 2017: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	PUTNAM NY
Recording Date	May 3, 2017
Property Address	405 CHESTNUT DR, CARMEL, NY 10512-2665
Document Number	0020430199
Book / Page	2043 / 199
Map Reference	MAP 2380
Instrument Date	Oct 28, 2016
Instrument	1501095
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	FORTRESS NY TITLE AGENCY INC

Transaction

Amount	Amount on Record
Tax	$744.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	405 CHESTNUT DR, 405, CARMEL, NY 10512-2665

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	66 HICKORY DR, BREWSTER, NY 10509-3823

Tax Assessment & Valuation

Source: Putnam County and Southeast Town assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	New York
County	Putnam County
County Subdivision	Southeast Town
Unified School District	Brewster Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$320,000 (+3.9%) Land $2,000 Building $318,000	$320,000 (+3.9%) Land $2,000 Building $318,000
2024	$9,064.00	$308,000 (+14.93%) Land $2,000 Building $306,000	$308,000 (+14.93%) Land $2,000 Building $306,000
2023		$268,000 (+12.61%) Land $2,000 Building $266,000	$268,000 (+12.61%) Land $2,000 Building $266,000
2022		$238,000 Land $2,000 Building $236,000	$238,000 Land $2,000 Building $236,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 405 Chestnut Dr in Zone X, an area of minimal flood risk.

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	1 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

Wildfire risk around 405 Chestnut Dr is low, with a 0.02% 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	0.02% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 102 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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