8 Cliff Ct, Carmel, NY 10512 Property Records

Putnam County and Kent Town property record for 8 Cliff Ct, Carmel, NY 10512

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 2,613 sqft · built 1969
Lot Size	6.19 acres (269,636 sqft)
Owner	2 Individual Names on File
Last Sale	$552,500 (Mar 2003)
Tax Bill	$18,712 (2024)
Deeds & Mortgages	Apr 2021 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`372200 31.-2-31.1`

Property Details

APN / Parcel Number

Primary APN	`372200 31.-2-31.1`
Alternative APNs	`220003100000020310010000` `120380`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,613 sqft Living Area
Gross Area	2,753 sqft
1st Floor Area	1,362 sqft
Upper Floors Area	681 sqft
Basement Area	570 sqft
Finished Basement	570 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Contemporary
Exterior Material	Wood
Lot Area	269,636 sqft (6.19 acres)
View / Lot	Waterfront
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Porch Area	958 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Account Number	120380
Street Address	8 CLIFF CT
City	CARMEL
State	NY
Zip	10512-3529
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R80
Legal Subdivision	FINAL SUBDIVISION PLAT STEPHEN J WITT
Legal Block	2
Legal Lot Number	31.00
Jurisdiction	PUTNAM NY
Township / Civil Division	KENT
Census Block Group	3
Census Block	3023
Census Tract	10500

Owner

8 Cliff Ct is owned and occupied by two individuals who bought it in March 2003.

Source: Putnam County and Kent Town records, as of June 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	8 CLIFF CT, CARMEL, NY 10512-3529
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Oct 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jan 17, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2003 · Amount on File
Deed Sale	Mar 24, 2003 · Amount on File
Deed Book / Page	1616 / 274
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	8 CLIFF CT, CARMEL, NY 10512-3529
Transaction Type	Mortgage
Record Updated	Apr 27, 2021
Title Company	CLOSING USA LLC, CLOSING USA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 CLIFF CT, CARMEL, NY 10512-3529

Mortgage

Document Number	0073280270
Date	Apr 12, 2021
Book Page	7328/270
Instrument	4522-2021

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	8 CLIFF CT, CARMEL, NY 10512-3529
Document Number	0069920001
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Nov 27, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 CLIFF CT CARMEL NY 105123529, CARMEL, NY 10512-3529

Mortgage

Document Number	0069920001
Date	Nov 12, 2019
Book Page	006992/000001
Instrument	15185

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 11, 2034

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	8 CLIFF CT, CARMEL, NY 10512-3529
Document Number	0068920101
Instrument Date	Jan 17, 2019
Transaction Type	Mortgage
Record Updated	Mar 7, 2019
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 CLIFF CT CARMEL NY 105123529, CARMEL, NY 10512-3529

Mortgage

Document Number	0068920101
Date	Feb 20, 2019
Book Page	006892/000101
Instrument	1600423

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 19, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Putnam County
County Subdivision	Kent Town
Unified School District	Carmel Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$881,000 Land $125,500 Building $755,500	$881,000 Land $125,500 Building $755,500
2024	$18,712.00
2023		$441,000 (-) Land $44,800 Building $396,200	$640,988 (+21.66%) Land $65,116 Building $575,872
2022		$441,000 Land $44,800 Building $396,200	$526,882 Land $53,525 Building $473,357

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

Flood

FEMA maps place 8 Cliff Ct 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	5 in force
Nearby Flood Claims	2 (1979–1996)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jan 1996 · Severe Storms And Flooding

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 Cliff Ct is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 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

May also be available: T-Mobile.

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