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45 Valley Rd, Carmel, NY 10512 Property Records

Putnam County and Carmel Town property record for 45 Valley Rd, Carmel, NY 10512

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,787 sqft · built 1962
Lot Size0.555 acres (24,165 sqft)
Owner2 Individual Names on Record
Last Sale$600,000 (Nov 2021)
Tax Bill$17,134 (2024)
Deeds & MortgagesNov 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN372000 77.13-1-18

Property Details

APN / Parcel Number

Primary APN372000 77.13-1-18
Alternative APNs
  • 200007701300010180000000
  • 286400

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms10 Rooms
Stories1 Story
Building Area1,787 sqft Living Area
Gross Area2,791 sqft
1st Floor Area1,787 sqft
Basement Area644 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1962
Effective Year BuiltEffective 2019
Architectural StyleSplit Level
Exterior MaterialAluminum/Vinyl
Lot Area24,165 sqft (0.555 acres)
Lot Dimensions203 ft deep x 101 ft wide
View / LotWaterfront

Exterior Amenities

PorchScreened Porch
Porch Area800 sqft
Shed1 Shed
Canopy116 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHot Water
Heating FuelOil
SewerConnected
Water SourceCommercial

Location & Zoning

Account Number286400
Street Address45 VALLEY RD
CityCARMEL
StateNY
Zip10512-4354
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR
Legal Block1
Legal Lot Number18.00
JurisdictionPUTNAM NY
Township / Civil DivisionCARMEL
Census Block Group3
Census Block3023
Census Tract11600

Owner

Source: Putnam County and Carmel 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 Record2 Individual Names on Record
Mailing Address45 VALLEY RD, CARMEL, NY 10512-4354
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 12, 2021 · Amount on Record
Deed SaleNov 12, 2021 · Amount on Record
Prior SaleNov 12, 2021 · Amount on Record
Deed Document Number2021134002021
Deed Book / Page2246 / 155
Record UpdatedOct 29, 2026

November 2021: Bargain and Sale Deed, Transfer

Document TypeBargain and Sale Deed
JurisdictionPUTNAM NY
Recording DateNov 12, 2021
Property Address45 VALLEY RD, CARMEL, NY 10512-4354
Document Number0022460155
Book / Page2246 / 155
Map ReferenceMAP 889
Instrument DateOct 25, 2021
Instrument13400-2021
Transaction TypeTransfer
Record UpdatedApr 3, 2026
Title CompanyFIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,400.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address45 VALLEY RD, CARMEL, NY 10512-4354

Transferred To (Grantee/Buyer)

NameVerified Name
Address3601 HOMESTEAD CT, PEEKSKILL, NY 10566-6903
InvestorPossibly a Property Investor

Mortgage

Document Number0000075161
DateNov 12, 2021
Instrument7516/1
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew York
CountyPutnam County
County SubdivisionCarmel Town
Unified School DistrictMahopac Central School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$674,700 (+6.99%) Land $83,400 Building $591,300$674,700 (+6.99%) Land $83,400 Building $591,300
2024$17,134.00 (+494.31%)$630,600 (+5%) Land $83,400 Building $547,200$630,600 (+5%) Land $83,400 Building $547,200
2023$600,600 (+12.14%) Land $75,800 Building $524,800$600,600 (+12.14%) Land $75,800 Building $524,800
2022$535,600 Land $75,800 Building $459,800$535,600 Land $75,800 Building $459,800
2020$2,883.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies4 in force
Nearby Flood Claims2 (1978–1981)
Most Recent ClaimApr 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 54% of New York
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 SystemUNION VALLEY ESTATES
private · serves 273 people · EPA ID NY3905696
Water SourceGroundwater
Last State InspectionOct 2025

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 86 locations within half a mile, as of December 31, 2025

ProviderMax 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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