5 Tower Rd, Carmel, NY 10512 Property Records

Putnam County and Carmel Town property record for 5 Tower Rd, Carmel, NY 10512

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,632 sqft · built 1963
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Tax Bill	$14,022 (2024)
Deeds & Mortgages	Nov 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`372000 55.9-1-27`

Property Details

APN / Parcel Number

Primary APN	`372000 55.9-1-27`
Alternative APNs	`200005500900010270000000` `337800`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,632 sqft Living Area
1st Floor Area	1,176 sqft
Basement Area	456 sqft
Finished Basement	456 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Raised Ranch
Exterior Material	Composition/Composite
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	154 ft deep x 100 ft wide
View / Lot	Waterfront
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	300 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	337800
Street Address	5 TOWER RD
City	CARMEL
State	NY
Zip	10512-1908
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Subdivision	HILLTOP MANOR
Legal Block	1
Legal Lot Number	27.00
Jurisdiction	PUTNAM NY
Township / Civil Division	CARMEL
Census Block Group	2
Census Block	2004
Census Tract	11502

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 TOWER RD, CARMEL, NY 10512-1908
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	5 TOWER RD, CARMEL, NY 10512-1908
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 TOWER RD, CARMEL, NY 10512-1908

Mortgage

Document Number	0071950096
Date	Nov 12, 2020
Book Page	7195/96
Instrument	9789-2020

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 11, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$485,100 (+14.49%) Land $92,400 Building $392,700	$485,100 (+14.49%) Land $92,400 Building $392,700
2024	$14,022.00 (+220.36%)
2023		$423,700 (+11%) Land $84,000 Building $339,700	$423,700 (+11%) Land $84,000 Building $339,700
2022		$381,700 Land $84,000 Building $297,700	$381,700 Land $84,000 Building $297,700
2020	$4,377.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 99.1% of the US · lower than 99.2% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 137 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Tower Rd

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