92 Cottage Rd, Carmel, NY 10512 Property Records

Putnam County and Kent Town property record for 92 Cottage Rd, Carmel, NY 10512 · Last verified May 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1.5 Baths
Year Built	Built 1950
Square Footage	1,457 sqft Living Area
Lot Size	20,038 sqft (0.46 acres)
Occupancy	Owner Occupied
Last Sale	$200,000 (2015)
Tax Bill	$11,861.00 (2024)

Owner

Source: Putnam County and Kent Town records · APN 372200 33.43-1-21

Assessment roll updated April 29, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	92 COTTAGE RD, CARMEL, NY 10512-6501
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 03, 2015 · Amount on Record
Deed Sale	Dec 03, 2015 · Amount on Record
Prior Sale	Sep 01, 2004 · Amount on Record
Deed Doc Number	20152792
Deed Book / Page	1997 / 220
Record Refreshed	Jun 08, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	92 COTTAGE RD, CARMEL, NY 10512-6501
Transaction Type	Mortgage
Record Updated	Jun 15, 2022
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 COTTAGE RD, CARMEL, NY 10512-6501

Mortgage

Document Number	0076540259
Date	Jun 01, 2022
Book Page	7654/259
Instrument	5174-2022

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	298 Months
Due	Apr 19, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Putnam County and Kent Town records · Assessment roll updated April 29, 2026 · Last verified May 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$406,000 (+61.05%) Land $76,800 Building $329,200	$406,000 (+10.8%) Land $76,800 Building $329,200
2024	$11,861.00
2023		$252,100 (-) Land $24,500 Building $227,600	$366,424 (+21.66%) Land $35,610 Building $330,814
2022		$252,100 Land $24,500 Building $227,600	$301,195 Land $29,271 Building $271,924

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Putnam County (36079C), updated March 4, 2013 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`372200 33.43-1-21`
Alternative APNs	`220003304300010210000000` `017050`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Building Area	1,457 sqft Living Area
Gross Area	1,482 sqft Gross Area
1st Floor	1,457 sqft 1st Floor
Stories	1 Stories

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch Style
Exterior Material	Aluminum/Vinyl Exterior
Lot Area	20,038 sqft (0.46 acres)
Depth X Width	198 ft x 100 ft Depth x Width
Shed	1 Shed
Porch	Covered Porch
Porch Area	456 sqft Porch

Utilities and HVAC

Heating System	Hot Water Heating
Heating Fuel	Oil Heating Fuel
Sewage	Sewage Connected
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Account Number	017050
Street Address	92 COTTAGE RD
City	CARMEL
State	NY
Zip	10512-6501
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Subdivision	3RD MAP OF LAKE CARMEL
Legal Block	1
Legal Lot Number	21.00
Jurisdiction	PUTNAM NY
Minor Civil Division	KENT
Census Blockgroup	3
Census Block	3015
Census Tract	10300