Putnam County and Kent Town property record for 643 Rte 52, Carmel, NY 10512
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 788 sqft · built 1940 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $210,000 (Aug 2020) |
| Tax Bill | $7,998 (2024) |
| Deeds & Mortgages | Apr 2018 Mortgage Oct 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 372200 33.25-1-25 |
| Primary APN | 372200 33.25-1-25 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 788 sqft Living Area |
| 1st Floor Area | 788 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Cottage |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 12,632 sqft (0.29 acres) |
| Lot Dimensions | 90 ft deep x 140 ft wide |
| View / Lot | Waterfront |
| Porch | Open Porch |
| Porch Area | 242 sqft |
| Patio Area | 120 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Account Number | 071800 |
|---|---|
| Street Address | 643 ROUTE 52 |
| City | CARMEL |
| State | NY |
| Zip | 10512-5274 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 |
| Legal Subdivision | ELEVENTH MAP OF LAKE CARMEL TOWN OF KENT |
| Legal Block | 1 |
| Legal Lot Number | 25.00 |
| Jurisdiction | PUTNAM NY |
| Township / Civil Division | KENT |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 10400 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 643 ROUTE 52, CARMEL, NY 10512-5274 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 9, 2018 | Deed of Trust, Mortgage · Conventional Mortgage RESIDENTIAL HOME FUNDING CORP |
| Oct 12, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC |
| Oct 12, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC |
| Aug 18, 2020 | Grant Deed, Transfer · FHA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 18, 2020 · Amount on Record |
| Deed Sale | Aug 18, 2020 · Amount on Record |
| Prior Sale | Jun 17, 2010 · Amount on Record |
| Deed Document Number | 202064582020 |
| Deed Book / Page | 2170 / 77 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 643 ROUTE 52, CARMEL, NY 10512-5274 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2022 |
| Title Company | MAJOR ABSTRACT CORP |
| Name | Verified Name |
|---|
| Document Number | 0068150357 |
|---|---|
| Date | Apr 9, 2018 |
| Book Page | 6815/357 |
| Instrument | 1601043 |
| Name | RESIDENTIAL HOME FUNDING CORP |
|---|---|
| Type | Lending Institution |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 643 ROUTE 52, CARMEL, NY 10512-5274 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0074840271 |
|---|---|
| Date | Oct 12, 2021 |
| Book Page | 7484/271 |
| Instrument | 11952-2021 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 643 ROUTE 52, CARMEL, NY 10512-5274 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0074840293 |
|---|---|
| Date | Oct 12, 2021 |
| Book Page | 7484/293 |
| Instrument | 11953-2021 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Jul 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | PUTNAM NY |
| Recording Date | Aug 18, 2020 |
| Property Address | 643 ROUTE 52, CARMEL, NY 10512-5274 |
| Document Number | 0021700077 |
| Book / Page | 002170 / 000077 |
| Instrument Date | Aug 7, 2020 |
| Instrument | 6458 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2020 |
| Title Company | REALTY RESOURCE SOLUTIONS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $840.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 505 YORKHILL RD YORKTOWN HEIGHTS NY 105983729, YORKTOWN HEIGHTS, NY 10598-3729 |
| Document Number | 71340021 |
|---|---|
| Date | Aug 18, 2020 |
| Book Page | 007134/000021 |
| Instrument | 6459 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 17, 2050 |
Source: Putnam County and Kent Town assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Putnam County |
| County Subdivision | Kent Town |
| Unified School District | Carmel Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $331,000 (+94.71%) Land $63,200 Building $267,800 | $331,000 (+33.96%) Land $63,200 Building $267,800 | |
| 2024 | $7,998.00 | ||
| 2023 | $170,000 (-) Land $25,000 Building $145,000 | $247,093 (+21.66%) Land $36,337 Building $210,756 | |
| 2022 | $170,000 Land $25,000 Building $145,000 | $203,106 Land $29,869 Building $173,237 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 4 (1979–2026) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Jul 2026 · other causes |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.9% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | KENT WD 2 serves 276 people · EPA ID NY3905702 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2026 |
| Lead | 6 ppb (2020–2022) action level 15 ppb |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 207 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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