7 Harkin Rd, Carmel, NY 10512 Property Records

Putnam County and Carmel Town property record for 7 Harkin Rd, Carmel, NY 10512

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,546 sqft · built 1990
Lot Size	0.505 acres (22,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$447,750 (Apr 2016)
Tax Bill	$15,076 (2024)
Deeds & Mortgages	Nov 2021 Mortgage Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`372000 54.18-1-11`

Property Details

APN / Parcel Number

Primary APN	`372000 54.18-1-11`
Alternative APNs	`200005401800010110000000` `269350`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,546 sqft Living Area
1st Floor Area	1,593 sqft
Basement Area	953 sqft
Finished Basement	953 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Raised Ranch
Exterior Material	Wood
Lot Area	22,000 sqft (0.505 acres)
Lot Dimensions	200 ft deep x 110 ft wide
View / Lot	Waterfront
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Open Porch
Porch Area	344 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	269350
Street Address	7 HARKIN RD
City	CARMEL
State	NY
Zip	10512-4059
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Subdivision	SUBDIVISION MAP OF SUNNY ACRES
Legal Block	1
Legal Lot Number	11.00
Jurisdiction	PUTNAM NY
Township / Civil Division	CARMEL
Census Block Group	1
Census Block	1000
Census Tract	11400

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	7 HARKIN RD, CARMEL, NY 10512-4059
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 17, 2020	Deed of Trust, Mortgage · Conventional with PMI RELIANCE FIRST CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2016 · Amount on Record
Deed Sale	Apr 8, 2016 · Amount on Record
Prior Sale	Oct 5, 2004 · Amount on Record
Deed Document Number	20161500895
Deed Book / Page	2008 / 120
Prior Transfer Date	Mar 1, 1991
Prior Transfer Doc	1121000071
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	7 HARKIN RD, CARMEL, NY 10512-4059
Transaction Type	Mortgage
Record Updated	Nov 19, 2021
Title Company	OMINI TITLE AGENCY, OMNI TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 HARKIN RD, CARMEL, NY 10512-4059

Mortgage

Document Number	0075070269
Date	Nov 2, 2021
Book Page	7507/269
Instrument	12980-2021

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	7 HARKIN RD, CARMEL, NY 10512-4059
Document Number	0070680331
Instrument Date	Apr 17, 2020
Transaction Type	Mortgage
Record Updated	Jun 2, 2020
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7 HARKIN RD CARMEL NY 105124059, CARMEL, NY 10512-4059

Mortgage

Document Number	0070680331
Date	Apr 23, 2020
Book Page	007068/000331
Instrument	3153

Lender

Name	RELIANCE FIRST CAP
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Apr 22, 2040

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	Mahopac Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$591,500 (+12.35%) Land $92,700 Building $498,800	$591,500 (+12.35%) Land $92,700 Building $498,800
2024	$15,076.00 (+286.07%)
2023		$526,500 (+11.01%) Land $84,300 Building $442,200	$526,500 (+11.01%) Land $84,300 Building $442,200
2022		$474,300 Land $84,300 Building $390,000	$474,300 Land $84,300 Building $390,000
2020	$3,905.00

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 · 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

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 62 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	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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