540 Pudding St, Carmel, NY 10512 Property Records

Putnam County and Kent Town property record for 540 Pudding St, Carmel, NY 10512

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 966 sqft · built 1964
Lot Size	5.32 acres (231,739 sqft)
Owner	Individual Name on File
Last Sale	$249,000 (Apr 2020)
Tax Bill	$9,687 (2024)
Deeds & Mortgages	Sep 2021 Mortgage Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`372200 31.-1-45`

Property Details

APN / Parcel Number

Primary APN	`372200 31.-1-45`
Alternative APNs	`220003100000010450000000` `119880`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	966 sqft Living Area
Gross Area	1,206 sqft
1st Floor Area	966 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	231,739 sqft (5.32 acres)
Lot Width	475 ft Width
View / Lot	Waterfront
Porch	Covered Porch
Porch Area	328 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Account Number	119880
Street Address	540 PUDDING ST
City	CARMEL
State	NY
Zip	10512-3950
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R80
Legal Block	1
Legal Lot Number	45.00
Jurisdiction	PUTNAM NY
Township / Civil Division	KENT
Census Block Group	2
Census Block	2041
Census Tract	10500

Owner

540 Pudding St is owned and occupied by an individual who bought it in April 2020.

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

Owner of Record	Individual Name on File
Mailing Address	540 PUDDING ST, CARMEL, NY 10512-3950
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage PRIMELENDING
Apr 17, 2020	Deed, Transfer · Conventional Mortgage ANDANCIAL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2020 · Amount on File
Deed Sale	Apr 17, 2020 · Amount on File
Prior Sale	Dec 12, 2002 · Amount on File
Deed Document Number	202030172020
Deed Book / Page	2155 / 282
Prior Transfer Date	Oct 6, 2000
Prior Transfer Doc	1535000062
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	540 PUDDING ST, CARMEL, NY 10512-3950
Transaction Type	Mortgage
Record Updated	Oct 5, 2021
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 PUDDING ST, CARMEL, NY 10512-3950

Mortgage

Document Number	0074590253
Date	Sep 16, 2021
Book Page	7459/253
Instrument	10889-2021

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jul 1, 2051

April 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	PUTNAM NY
Recording Date	Apr 17, 2020
Property Address	540 PUDDING ST, CARMEL, NY 10512-3950
Document Number	0021550282
Book / Page	2155 / 282
Instrument	3017-2020
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$996.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007066056
Date	Apr 17, 2020
Instrument	7066/056

Lender

Name	ANDANCIAL FCU
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

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		$365,000 Land $118,600 Building $246,400	$365,000 Land $118,600 Building $246,400
2024	$9,687.00
2023		$228,300 (-) Land $54,000 Building $174,300	$331,831 (+21.66%) Land $78,488 Building $253,343
2022		$228,300 Land $54,000 Building $174,300	$272,760 Land $64,516 Building $208,244

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 540 Pudding St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1980.

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

Wildfire risk around 540 Pudding St is low, with a 0.03% annual chance of 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	0.03% 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 11 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

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