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79 Harvard Dr, Carmel, NY 10512 Property Records

Putnam County and Kent Town property record for 79 Harvard Dr, Carmel, NY 10512

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 2,265 sqft · built 1960
Lot Size0.22 acres (9,583 sqft)
Owner2 Individual Names on File
Last Sale$340,000 (Jul 2018)
Tax Bill$15,130 (2024)
Deeds & MortgagesJul 2021 Mortgage
Sep 2019 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN372200 22.66-2-27

Property Details

APN / Parcel Number

Primary APN372200 22.66-2-27
Alternative APNs
  • 220002206600020270000000
  • 046550

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms9 Rooms
Stories1 Story
Building Area2,265 sqft Living Area
Gross Area2,551 sqft
1st Floor Area1,165 sqft
Basement Area1,100 sqft
Finished Basement1,100 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1960
Effective Year BuiltEffective 2000
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Lot Area9,583 sqft (0.22 acres)
Lot Dimensions82 ft deep x 154 ft wide
View / LotWaterfront
Garage TypeAttached
Garage Area286 sqft
Parking Spaces1 Parking Space
Patio Area250 sqft
Shed1 Shed

Utilities, Heating & Cooling

Heating FuelElectric
SewerConnected

Location & Zoning

Account Number046550
Street Address79 HARVARD DR
CityCARMEL
StateNY
Zip10512-5608
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR10
Legal SubdivisionSIXTH MAP OF LAKE CARMEL
Legal Block2
Legal Lot Number27.00
JurisdictionPUTNAM NY
Township / Civil DivisionKENT
Census Block Group1
Census Block1050
Census Tract10300

Owner

79 Harvard Dr is owned and occupied by two individuals who acquired it in September 2019.

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

Owner of Record2 Individual Names on File
Mailing Address79 HARVARD DR, CARMEL, NY 10512-5608
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Jul 2, 2021Deed of Trust, Mortgage · Conventional Mortgage
CARDINAL FINANCIAL COMPANY LP
Sep 10, 2019Intrafamily Transfer, Transfer · Conventional Mortgage
CARDINAL FINANCIAL COMPANY LP
Jul 24, 2018Bargain and Sale Deed, Transfer · Conventional Mortgage
UNITED MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 24, 2018 · Amount on File
Deed SaleJul 24, 2018 · Amount on File
Prior SaleJul 7, 2008 · Amount on File
Deed Document Number20181501874
Deed Book / Page2084 / 258
Last Transfer DateSep 4, 2019
Transfer Doc0021270344
Record UpdatedOct 29, 2026

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPUTNAM NY
Property Address79 HARVARD DR, CARMEL, NY 10512-5608
Transaction TypeMortgage
Record UpdatedJul 21, 2021
Title CompanySECURITY SETTLEMENT SERVICES INC, EQUITY SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address79 HARVARD DR, CARMEL, NY 10512-5608

Mortgage

Document Number0073920231
DateJul 2, 2021
Book Page7392/231
Instrument7766-2021
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
AddressCHARLOTTE, NC 28275
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term355 Months
DueFeb 1, 2051

September 2019: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionPUTNAM NY
Recording DateSep 10, 2019
Property Address79 HARVARD DR, CARMEL, NY 10512-5608
Document Number0021270344
Book / Page2127 / 344
Map ReferenceMAP 130EE
Instrument DateSep 4, 2019
Instrument13223-2019
Transaction TypeTransfer
Record UpdatedMay 3, 2022

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address32 MONROE ST # STBK10, 32, NEW YORK, NY 10002-7789

Transferred To (Grantee/Buyer)

NameVerified Name
Address79 HARVARD DR, CARMEL, NY 10512-5608

Mortgage

Document Number0006961269
DateSep 10, 2019
Instrument6961/269
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueOct 1, 2049

July 2018: Bargain and Sale Deed, Transfer

Document TypeBargain and Sale Deed
JurisdictionPUTNAM NY
Recording DateJul 24, 2018
Property Address79 HARVARD DR, CARMEL, NY 10512-5608
Document Number0020840258
Book / Page2084 / 258
Map ReferenceMAP 130EE
Instrument DateJul 13, 2018
Instrument1501874
Transaction TypeTransfer
Record UpdatedMay 3, 2022
Title CompanyTHOROUGHBRED TITLE SERVICES

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,360.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address79 HARVARD DR, 79, CARMEL, NY 10512-5608

Transferred To (Grantee/Buyer)

NameVerified Name
Address32 MONROE ST APT BK10, BK10, NEW YORK, NY 10002-7749

Mortgage

Document Number0001602075
DateJul 24, 2018
Instrument1602075
Lender
NameUNITED MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueAug 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew York
CountyPutnam County
County SubdivisionKent Town
Unified School DistrictCarmel Central School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$490,000 (+52.36%) Land $54,100 Building $435,900$490,000 (+4.83%) Land $54,100 Building $435,900
2024$15,130.00$321,600 (-) Land $17,000 Building $304,600$467,442 (-)
2023$321,600 (-) Land $17,000 Building $304,600$467,442 (+21.66%) Land $24,709 Building $442,733
2022$321,600 Land $17,000 Building $304,600$384,229 Land $20,311 Building $363,918

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

Flood

FEMA maps place 79 Harvard Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective March 4, 2013 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 in force
Nearby Flood Claims4 (1978–2023)
Claims Outside the SFHA2 of 4
Most Recent ClaimJul 2023 · Severe Storms And Flooding
Claims by Event
  • Severe Storms And Flooding, Jul 2023 · 2 claims

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 79 Harvard Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 54% of New York
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemKENT WD 1
serves 360 people · EPA ID NY3905708
Water SourceGroundwater
Last State InspectionMar 2026
Lead5 ppb (2019–2021)
action level 15 ppb

Violations Reported to EPA

Water QualityGross alpha radiation
currently in violation since Jan 2024
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 175 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Verizon
Fiber		2,300 / 2,300
Xfinity
Cable		2,000 / 250
T-Mobile
Fixed Wireless		100 / 20

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