Putnam County and Kent Town property record for 649 Rte 52, Carmel, NY 10512
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,625 sqft · built 1940 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $330,000 (Sep 2022) |
| Tax Bill | $10,821 (2024) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage Feb 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 372200 33.25-1-27 |
| Primary APN | 372200 33.25-1-27 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,625 sqft Living Area |
| Gross Area | 1,723 sqft |
| 1st Floor Area | 700 sqft |
| Upper Floors Area | 350 sqft |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Old Style |
| Exterior Material | Stucco |
| Lot Area | 5,227 sqft (0.12 acres) |
| Lot Dimensions | 90 ft deep x 60 ft wide |
| View / Lot | Waterfront |
| Porch | Enclosed Porch |
| Porch Area | 98 sqft |
| Patio Area | 490 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Sewer | Connected |
| Account Number | 071850 |
|---|---|
| Street Address | 649 ROUTE 52 |
| City | CARMEL |
| State | NY |
| Zip | 10512-5274 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 |
| Legal Subdivision | LAKE CARMEL |
| Legal Block | 1 |
| Legal Lot Number | 27.00 |
| Jurisdiction | PUTNAM NY |
| Township / Civil Division | KENT |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 10400 |
649 Rte 52 is owned and occupied by two individuals who bought it in September 2022.
Source: Putnam County and Kent Town records, as of April 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 649 ROUTE 52, CARMEL, NY 10512-5274 |
| 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.
| Date | Document |
|---|---|
| Sep 1, 2022 | Bargain and Sale Deed, Transfer · FHA Mortgage EMBRACE HOME LOANS INC |
| Feb 3, 2017 | Grant Deed, Transfer · Conventional with PMI TEG FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 1, 2022 · Amount on File |
| Deed Sale | Sep 1, 2022 · Amount on File |
| Prior Sale | Oct 12, 2000 · Amount on File |
| Deed Document Number | 202279382022 |
| Deed Book / Page | 2287 / 181 |
| Record Updated | Oct 29, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | PUTNAM NY |
| Recording Date | Sep 1, 2022 |
| Property Address | 649 ROUTE 52, CARMEL, NY 10512-5274 |
| Document Number | 0022870181 |
| Book / Page | 2287 / 181 |
| Map Reference | MAP 130J |
| Instrument Date | Aug 26, 2022 |
| Instrument | 7938-2022 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2022 |
| Title Company | MADISON TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,320.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 649 ROUTE 52, 649, CARMEL, NY 10512-5274 |
| Name | Verified Name |
|---|---|
| Address | 24 GROSSBEAK TRL, WURTSBORO, NY 12790-7224 |
| Document Number | 0000769927 |
|---|---|
| Date | Sep 1, 2022 |
| Instrument | 7699/27 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | PUTNAM NY |
| Recording Date | Feb 3, 2017 |
| Property Address | 649 ROUTE 52, CARMEL, NY 10512-5274 |
| Document Number | 0020350429 |
| Book / Page | 002035 / 000429 |
| Instrument Date | Jan 23, 2017 |
| Instrument | 1500341 |
| Transaction Type | Transfer |
| Record Updated | Apr 7, 2017 |
| Title Company | QUEEN CITY ABSTRACT, QUEEN CITY ABS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $782.18 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 649 ROUTE 52 CARMEL NY 105125274, CARMEL, NY 10512-5274 |
| Document Number | 66870180 |
|---|---|
| Date | Feb 3, 2017 |
| Book Page | 006687/000180 |
| Instrument | 1600520 |
| Name | TEG FCU |
|---|---|
| Type | Credit Union |
| Address | POUGHKEEPSIE, NY 12603 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 2, 2047 |
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 | $365,000 Land $34,300 Building $330,700 | $365,000 Land $34,300 Building $330,700 | |
| 2024 | $10,821.00 | ||
| 2023 | $230,000 (-) Land $15,000 Building $215,000 | $334,302 (+21.66%) Land $21,802 Building $312,500 | |
| 2022 | $230,000 Land $15,000 Building $215,000 | $274,791 Land $17,921 Building $256,870 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 649 Rte 52 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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.
Wildfire risk around 649 Rte 52 is low, with less than a 0.01% annual chance of wildfire.
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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