48 Union Rd, Carmel, NY 10512 Property Records

Putnam County and Kent Town property record for 48 Union Rd, Carmel, NY 10512

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,598 sqft · built 1970
Lot Size	0.53 acres (23,087 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Jun 2024)
Tax Bill	$12,381 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`372200 33.19-1-5`

Property Details

APN / Parcel Number

Primary APN	`372200 33.19-1-5`
Alternative APNs	`220003301900010050000000` `129850`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,598 sqft Living Area
1st Floor Area	1,052 sqft
Basement Area	546 sqft
Finished Basement	546 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2019
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	23,087 sqft (0.53 acres)
Lot Dimensions	190 ft deep x 125 ft wide
View / Lot	Waterfront
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	297 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Account Number	129850
Street Address	48 UNION RD
City	CARMEL
State	NY
Zip	10512-5835
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Block	1
Legal Lot Number	5.000
Jurisdiction	PUTNAM NY
Township / Civil Division	KENT
Census Block Group	4
Census Block	4028
Census Tract	10300

Owner

Source: Putnam County and Kent Town records, as of August 4, 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	1201 VILLAGE DR, BREWSTER, NY 10509-1312
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage HUDSON VALLEY FCU
Feb 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage HUDSON VALLEY FCU
Feb 7, 2020	Grant Deed, Transfer · Conventional Mortgage HUDSON VLY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2024 · Amount on Record
Deed Sale	Jun 17, 2024 · Amount on Record
Prior Sale	Feb 7, 2020 · Amount on Record
Deed Document Number	20243279
Deed Book / Page	2361 / 59
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	48 UNION RD, CARMEL, NY 10512-5835
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 UNION RD, CARMEL, NY 10512-5835

Mortgage

Document Number	0075850328
Date	Feb 15, 2022
Book Page	7585/328
Instrument	1647-2022

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	48 UNION RD, CARMEL, NY 10512-5835
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 UNION RD, CARMEL, NY 10512-5835

Mortgage

Document Number	0075860001
Date	Feb 15, 2022
Book Page	7586/1
Instrument	1648-2022

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PUTNAM NY
Recording Date	Feb 7, 2020
Property Address	48 UNION RD, CARMEL, NY 10512-5835
Document Number	0021480039
Book / Page	002148 / 000039
Instrument Date	Jan 28, 2020
Instrument	1098
Transaction Type	Transfer
Record Updated	Mar 2, 2020
Title Company	PREMIER ABSTRACT, LTD.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,276.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	201 BULLET HOLE RD CARMEL NY 105122335, CARMEL, NY 10512-2335

Mortgage

Document Number	70310181
Date	Feb 7, 2020
Book Page	007031/000181
Instrument	1099

Lender

Name	HUDSON VLY CU
Type	Credit Union
Address	POUGHKEEPSIE, NY 12602

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 6, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,381.00 (+2.03%)	$425,000 (+60.38%) Land $81,200 Building $343,800	$425,000 (+10.34%) Land $81,200 Building $343,800
2024	$12,135.00
2023		$265,000 (-) Land $24,500 Building $240,500	$385,174 (+21.66%) Land $35,610 Building $349,564
2022		$265,000 Land $24,500 Building $240,500	$316,607 Land $29,271 Building $287,336

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	7 (1979–2011)
Most Recent Claim	Sep 2011 · Hurricane Irene

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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 197 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

May also be available: T-Mobile.

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