5 River Run, Carmel, NY 10512 Property Records

Putnam County and Carmel Town property record for 5 River Run, Carmel, NY 10512

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,887 sqft · built 2001
Lot Size	1.07 acres (46,609 sqft)
Owner	2 Individual Names on Record
Tax Bill	$24,034 (2024)
Deeds & Mortgages	Nov 2019 Mortgage Nov 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`372000 44.-2-38`

Property Details

APN / Parcel Number

Primary APN	`372000 44.-2-38`
Alternative APN	`200004400000020380000000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,887 sqft Living Area
1st Floor Area	2,298 sqft
2nd Floor Area	1,193 sqft
Upper Floors Area	396 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	46,609 sqft (1.07 acres)
Lot Width	240 ft Width
View / Lot	Waterfront
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Pool Area	648 sqft
Porch	Open Porch
Porch Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5 RIVER RUN
City	CARMEL
State	NY
Zip	10512-6168
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Subdivision	TILLINGHAM ESTATES
Legal Block	2
Legal Lot Number	38.00
Jurisdiction	PUTNAM NY
Township / Civil Division	CARMEL
Census Block Group	1
Census Block	1001
Census Tract	11501

Owner

Source: Putnam County and Carmel 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	5 RIVER RUN, CARMEL, NY 10512-6168
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2019	Deed of Trust, Mortgage BANK OF AMERICA
Nov 15, 2019	Loan Modification, Mortgage · Conventional Mortgage BANK OF AMERICA
Jul 2, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2006
Deed Sale	Jan 4, 2006
Prior Sale	Jan 25, 2002 · Amount on Record
Deed Book / Page	1730 / 403
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	5 RIVER RUN, CARMEL, NY 10512-6168
Document Number	0070130338
Instrument Date	Nov 15, 2019
Transaction Type	Mortgage
Record Updated	Jan 30, 2020
Title Company	FUTURE TITLE AGENCY INC, FUTURE TITLE AGCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5 RIVER RUN CARMEL NY 105126168, CARMEL, NY 10512-6168

Mortgage

Document Number	0070130338
Date	Jan 2, 2020
Book Page	007013/000338
Instrument	21

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Term	180 Months
Due	Jan 1, 2035

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	PUTNAM NY
Property Address	5 RIVER RUN, CARMEL, NY 10512-6168
Document Number	0070140001
Instrument Date	Nov 15, 2019
Transaction Type	Mortgage
Record Updated	Jan 27, 2020
Title Company	FUTURE TITLE AGENCY INC, FUTURE TITLE AGCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5 RIVER RUN CARMEL NY 105126168, CARMEL, NY 10512-6168

Mortgage

Document Number	0070140001
Date	Jan 2, 2020
Book Page	007014/000001
Instrument	22

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2035

Interest

Rate Type	Fixed Rate
Rate	3.12%

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	5 RIVER RUN, CARMEL, NY 10512-6168
Document Number	0068420391
Instrument Date	Jul 2, 2018
Transaction Type	Mortgage
Record Updated	Aug 8, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 RIVER RUN CARMEL NY 105126168, CARMEL, NY 10512-6168

Mortgage

Document Number	0068420391
Date	Jul 24, 2018
Book Page	006842/000391
Instrument	1602084

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$847,000 (+13.42%) Land $127,200 Building $719,800	$847,000 (+13.42%) Land $127,200 Building $719,800
2024	$24,034.00 (+222.65%)
2023		$746,800 (+1%) Land $115,600 Building $631,200	$746,800 (+1%) Land $115,600 Building $631,200
2022		$678,900 Land $115,600 Building $563,300	$678,900 Land $115,600 Building $563,300
2020	$7,449.00

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	1 (2021)
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida

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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CARMEL WD 2 serves 5,000 people · EPA ID NY3903641
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	7 ppb (2020–2022) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

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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