8 Bella Rd, Carmel, NY 10512 Property Records

Putnam County and Carmel Town property record for 8 Bella Rd, Carmel, NY 10512

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,884 sqft · built 1965
Lot Size	0.736 acres (32,051 sqft)
Owner	2 Individual Names on File
Last Sale	$495,000 (Mar 2024)
Tax Bill	$16,322 (2024)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`372000 54.8-1-25`

Property Details

APN / Parcel Number

Primary APN	`372000 54.8-1-25`
Alternative APNs	`200005400800010250000000` `312870`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,884 sqft Living Area
Gross Area	3,452 sqft
1st Floor Area	1,540 sqft
Basement Area	1,344 sqft
Finished Basement	1,344 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	32,051 sqft (0.736 acres)
Lot Dimensions	260 ft deep x 114 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	312870
Street Address	8 BELLA RD
City	CARMEL
State	NY
Zip	10512-1004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Subdivision	MAP OF NAULT ACRES
Legal Block	1
Legal Lot Number	25.00
Jurisdiction	PUTNAM NY
Township / Civil Division	CARMEL
Census Block Group	1
Census Block	1015
Census Tract	11502

Owner

8 Bella Rd is owned by two individuals who bought it in March 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	12 HICKORY DR, BREWSTER, NY 10509-3822
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2024	Deed, Transfer · FHA Mortgage ASSOCIATED MORTGAGE BANKERS INC
Dec 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Feb 22, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2024 · Amount on File
Deed Sale	Mar 21, 2024 · Amount on File
Deed Document Number	20241643
Deed Book / Page	2352 / 345
Prior Transfer Date	Mar 15, 2024
Prior Transfer Doc	0023520345
Record Updated	Oct 29, 2026

March 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	PUTNAM NY
Recording Date	Mar 21, 2024
Property Address	8 BELLA RD, CARMEL, NY 10512-1004
Document Number	0023520345
Book / Page	2352 / 345
Map Reference	MAP 981
Instrument Date	Mar 15, 2024
Instrument	1643-2024
Transaction Type	Transfer
Record Updated	Apr 10, 2024
Title Company	THOROUGHBRED TITLE SERVICES LLC, THOROUGHBRED TITLE SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,980.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8 BELLA RD, CARMEL, NY 10512-1004

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 HICKORY DR, BREWSTER, NY 10509-3822

Mortgage

Document Number	0007861312
Date	Mar 21, 2024
Instrument	7861/312

Lender

Name	ASSOCIATED MORTGAGE BANKERS INC
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	8 BELLA RD, CARMEL, NY 10512-1004
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 BELLA RD, CARMEL, NY 10512-1004

Mortgage

Document Number	0072230126
Date	Dec 16, 2020
Book Page	7223/126
Instrument	11310-2020

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Nov 1, 2050

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	8 BELLA RD, CARMEL, NY 10512-1004
Document Number	0068980290
Instrument Date	Feb 22, 2019
Transaction Type	Mortgage
Record Updated	Mar 29, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 BELLA RD CARMEL NY 105121004, CARMEL, NY 10512-1004

Mortgage

Document Number	0068980290
Date	Mar 15, 2019
Book Page	006898/000290
Instrument	1600697

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 14, 2049

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	Carmel Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$585,800 (+7%) Land $100,900 Building $484,900	$585,800 (+7%) Land $100,900 Building $484,900
2024	$16,322.00	$547,500 (+10.54%) Land $100,900 Building $446,600	$547,500 (+10.54%) Land $100,900 Building $446,600
2023		$495,300 (+11%) Land $89,800 Building $405,500	$495,300 (+11%) Land $89,800 Building $405,500
2022		$446,200 Land $89,800 Building $356,400	$446,200 Land $89,800 Building $356,400
2020	$4,598.00

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

Flood

FEMA maps place 8 Bella Rd in Zone X, an area of minimal flood risk.

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 Policies	3 in force

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 8 Bella 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	CARMEL WD 2 serves 5,000 people · EPA ID NY3903641
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	7 ppb (2020–2022) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 115 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

4G LTE only, no 5G reported

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