65 Ann Rd, Carmel, NY 10512 Property Records

Putnam County and Carmel Town property record for 65 Ann Rd, Carmel, NY 10512

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,300 sqft · built 1960
Lot Size	0.75 acres (32,670 sqft)
Owner	2 Individual Names on File
Last Sale	$570,000 (Jul 2026)
Tax Bill	$10,181 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`372000 54.14-1-52`

Property Details

APN / Parcel Number

Primary APN	`372000 54.14-1-52`
Alternative APNs	`200005401400010520000000` `267700`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,300 sqft Living Area
1st Floor Area	1,300 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	32,670 sqft (0.75 acres)
Lot Dimensions	280 ft deep x 101 ft wide
View / Lot	Waterfront
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Account Number	267700
Street Address	65 ANN RD
City	CARMEL
State	NY
Zip	10512-4056
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Block	1
Legal Lot Number	52.00
Jurisdiction	PUTNAM NY
Township / Civil Division	CARMEL
Census Block Group	1
Census Block	1000
Census Tract	11400

Owner

65 Ann Rd is owned by two individuals who bought it in July 2026.

Source: Putnam County and Carmel Town records, as of August 4, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	2865 MIDDLETOWN RD, BRONX, NY 10461-5367
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2026 · Amount on File
Deed Sale	Jul 21, 2026 · Amount on File
Deed Document Number	20264529
Deed Book / Page	2449 / 207
Prior Transfer Date	Aug 13, 2025
Prior Transfer Doc	0024080110
Record Updated	Oct 29, 2026

July 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	PUTNAM NY
Recording Date	Jul 21, 2026
Property Address	65 ANN RD, CARMEL, NY 10512-4056
Document Number	0000004529
Book / Page	2449 / 207
Instrument Date	Jul 6, 2026
Instrument	20264529
Transaction Type	Transfer
Record Updated	Aug 4, 2026
Title Company	CAMBRIDGE ABSTRACT LIMITED

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230,280.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2865 MIDDLETOWN RD, BRONX, NY 10461-5367

Mortgage

Document Number	0000004530,
Date	Jul 21, 2026
Book Page	8129/222
Instrument	20264530

Lender

Name	E HOME LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 65 Ann Rd was $10,181, down 7.4% from the year before.

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	Mahopac Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,181.00 (-7.38%)	$426,300 (+7%) Land $101,200 Building $325,100	$426,300 (+7%) Land $101,200 Building $325,100
2024	$10,992.00	$398,400 (+5.01%) Land $101,200 Building $297,200	$398,400 (+5.01%) Land $101,200 Building $297,200
2023		$379,400 (+11%) Land $92,000 Building $287,400	$379,400 (+11%) Land $92,000 Building $287,400
2022		$341,800 Land $92,000 Building $249,800	$341,800 Land $92,000 Building $249,800
2020	$2,894.00

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

Flood

FEMA maps place 65 Ann Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1979.

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 Claims	7 (1979–2008)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Mar 2008 · 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

Wildfire risk around 65 Ann Rd is low, with 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 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	WEST BRANCH ACRES private · serves 292 people · EPA ID NY3905692
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	3 ppb (2022–2024) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 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