86 Dean Rd, Carmel, NY 10512 Property Records

Putnam County and Kent Town property record for 86 Dean Rd, Carmel, NY 10512

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,164 sqft · built 1975
Lot Size	1.15 acres (50,094 sqft)
Owner	2 Individual Names on Record
Last Sale	$402,500 (Sep 2026)
Tax Bill	$13,515 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Sep 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`372200 10.-2-8`

Property Details

APN / Parcel Number

Primary APN	`372200 10.-2-8`
Alternative APNs	`220001000000020080000000` `123880`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,164 sqft Living Area
Gross Area	2,458 sqft
1st Floor Area	1,385 sqft
2nd Floor Area	779 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Contemporary
Exterior Material	Wood
Lot Area	50,094 sqft (1.15 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	224 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	113 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	123880
Street Address	86 DEAN RD
City	CARMEL
State	NY
Zip	10512-3146
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R80
Legal Block	2
Legal Lot Number	8.000
Jurisdiction	PUTNAM NY
Township / Civil Division	KENT
Census Block Group	2
Census Block	2001
Census Tract	10500

Owner

Source: Putnam County and Kent Town records, as of October 16, 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	158 ORCHARD RD, EAST PATCHOGUE, NY 11772-5585
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 23, 2025	Bargain and Sale Deed, Transfer · Conventional Mortgage CITIBANK NA
Oct 20, 2022	Bargain and Sale Deed, Transfer · Conventional Mortgage PCSB BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2026 · Amount on Record
Deed Sale	Sep 28, 2026 · Amount on Record
Prior Sale	Sep 23, 2025 · Amount on Record
Deed Document Number	20266291
Deed Book / Page	2458 / 258
Record Updated	Oct 29, 2026

September 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	PUTNAM NY
Recording Date	Sep 28, 2026
Property Address	86 DEAN RD, CARMEL, NY 10512-3146
Document Number	0000006291
Book / Page	2458 / 258
Instrument Date	Sep 23, 2026
Instrument	20266291
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	GREENACRE ABSTRACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$162,610.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	158 ORCHARD RD, EAST PATCHOGUE, NY 11772-5585

Mortgage

Document Number	0000006292,
Date	Sep 28, 2026
Book Page	8154/228
Instrument	20266292

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

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

September 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	PUTNAM NY
Recording Date	Sep 23, 2025
Property Address	86 DEAN RD, CARMEL, NY 10512-3116
Document Number	0024130048
Book / Page	2413 / 48
Instrument Date	Sep 23, 2025
Instrument	5683-2025
Transaction Type	Transfer
Record Updated	Oct 10, 2025
Title Company	JUDICIAL TITLE INSURANCE AGENCY INC, JUDICIAL TITLE INS AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	86 DEAN RD, CARMEL, NY 10512-3116

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 MONITOR ST APT 3B, 3B, BROOKLYN, NY 11222-5637

Mortgage

Document Number	0000802248
Date	Sep 23, 2025
Instrument	8022/48

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

October 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	PUTNAM NY
Recording Date	Oct 20, 2022
Property Address	86 DEAN RD, CARMEL, NY 10512-3116
Document Number	0022940264
Book / Page	2294 / 264
Instrument Date	Oct 1, 2022
Instrument	9281-2022
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16 LAKE FOREST DR, 16, BURLINGTON, VT 05401-5491

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 DEAN RD, CARMEL, NY 10512-3116

Mortgage

Document Number	0007717201
Date	Oct 20, 2022
Instrument	7717/201

Lender

Name	PCSB BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

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	$13,515.00 (-5.43%)	$488,000 (+44.89%) Land $55,300 Building $432,700	$488,000 (-0.31%) Land $55,300 Building $432,700
2024	$14,291.00	$336,800 (-) Land $33,700 Building $303,100	$489,535 (-) Land $48,983 Building $440,552
2023		$336,800 (-) Land $33,700 Building $303,100	$489,535 (+21.66%) Land $48,983 Building $440,552
2022		$336,800 Land $33,700 Building $303,100	$402,389 Land $40,263 Building $362,126

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 Policies	5 in force
Nearby Flood Claims	4 (1980–2023)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jul 2023 · 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

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 22 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
Starlink Satellite	280 / 30

May also be available: Optimum.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Dean Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures