497 Pudding St, Carmel, NY 10512 Property Records

Putnam County and Kent Town property record for 497 Pudding St, Carmel, NY 10512

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,660 sqft · built 1900
Lot Size	6.89 acres (300,128 sqft)
Owner	2 Individual Names on Record
Tax Bill	$15,378 (2024)
Deeds & Mortgages	Nov 2017 Line of Credit Dec 2017 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`372200 31.-1-31`

Property Details

APN / Parcel Number

Primary APN	`372200 31.-1-31`
Alternative APNs	`220003100000010310000000` `120300`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,660 sqft Living Area
1st Floor Area	1,254 sqft
Upper Floors Area	406 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 2000
Architectural Style	Cape Cod
Exterior Material	Wood
Lot Area	300,128 sqft (6.89 acres)
Lot Width	1,250 ft Width
View / Lot	Waterfront
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	800 sqft
Patio Area	515 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	120300
Street Address	497 PUDDING ST
City	CARMEL
State	NY
Zip	10512-3953
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R80
Legal Block	1
Legal Lot Number	31.00
Jurisdiction	PUTNAM NY
Township / Civil Division	KENT
Census Block Group	2
Census Block	2040
Census Tract	10500

Owner

Source: Putnam County and Kent 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	497 PUDDING ST, CARMEL, NY 10512-3953
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2017	Deed of Trust, Mortgage · Line of Credit KEYBANK USA
Dec 5, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 1, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 25, 2017
Transfer Doc	0020640121
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	497 PUDDING ST, CARMEL, NY 10512-3953
Document Number	0067930413
Book / Page	006793 / 000413
Instrument Date	Nov 16, 2017
Transaction Type	Mortgage
Record Updated	Feb 16, 2018
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	497 PUDDING ST CARMEL NY 105123953, CARMEL, NY 10512-3953

Mortgage

Document Number	0067930413
Date	Jan 18, 2018
Book Page	006793/000413
Instrument	1600184

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PUTNAM NY
Recording Date	Dec 5, 2017
Property Address	497 PUDDING ST, CARMEL, NY 10512-3953
Document Number	0020640121
Book / Page	002064 / 000121
Instrument Date	Oct 25, 2017
Instrument	1503162
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	497 PUDDING ST CARMEL NY 105123953, CARMEL, NY 10512-3953

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PUTNAM NY
Recording Date	Jun 1, 2017
Property Address	497 PUDDING ST, CARMEL, NY 10512-3953
Document Number	0020450350
Book / Page	002045 / 000350
Instrument Date	May 25, 2017
Instrument	1501338
Transaction Type	Transfer
Record Updated	Jun 27, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	497 PUDDING ST CARMEL NY 105123953, CARMEL, NY 10512-3953

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		$530,000 (+53.98%) Land $131,100 Building $398,900	$530,000 (+5.94%) Land $131,100 Building $398,900
2024	$15,378.00	$344,200 (-) Land $46,200 Building $298,000	$500,291 (-)
2023		$344,200 (-) Land $46,200 Building $298,000	$500,291 (+21.66%) Land $67,151 Building $433,140
2022		$344,200 Land $46,200 Building $298,000	$411,231 Land $55,197 Building $356,034

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	5 in force
Nearby Flood Claims	4 (1980–2023)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jul 2023 · Severe Storms And Flooding

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	0.02% 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 31 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	1,200 / 35

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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