Putnam County and Carmel Town property record for 92 Fair St, Carmel, NY 10512
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 1,664 sqft · built 1959 |
| Lot Size | 0.55 acres (23,958 sqft) |
| Owner | Individual Name on File |
| Last Sale | $470,000 (Jul 2021) |
| Tax Bill | $18,241 (2024) |
| Deeds & Mortgages | Jul 2021 Second Mortgage Jul 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 372000 44.15-1-33 |
| Primary APN | 372000 44.15-1-33 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 1,664 sqft Living Area |
| Gross Area | 2,938 sqft |
| 1st Floor Area | 1,144 sqft |
| 2nd Floor Area | 520 sqft |
| Basement Area | 1,274 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Split Level |
| Exterior Material | Stucco |
| Lot Area | 23,958 sqft (0.55 acres) |
| Lot Dimensions | 225 ft deep x 107 ft wide |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 305360 |
|---|---|
| Street Address | 92 FAIR ST |
| City | CARMEL |
| State | NY |
| Zip | 10512-1305 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Block | 1 |
| Legal Lot Number | 33.00 |
| Jurisdiction | PUTNAM NY |
| Township / Civil Division | CARMEL |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 11501 |
92 Fair St is owned and occupied by an individual who bought it in July 2021.
Source: Putnam County and Carmel Town records, as of April 29, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 92 FAIR ST, CARMEL, NY 10512-1305 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 22, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage HSBC BANK USA |
| Jul 22, 2021 | Bargain and Sale Deed, Transfer · Conventional Mortgage HSBC BANK USA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 22, 2021 · Amount on File |
| Deed Sale | Jul 22, 2021 · Amount on File |
| Prior Sale | Feb 28, 2005 · Amount on File |
| Deed Document Number | 202185352021 |
| Deed Book / Page | 2224 / 26 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM NY |
| Property Address | 92 FAIR ST, CARMEL, NY 10512-1305 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2021 |
| Title Company | JUDICIAL TITLE INSURANCE AGENCY INC, JUDICIAL TITLE INS AGCY |
| Name | Verified Name |
|---|---|
| Address | 500 TRINITY AVE 6J, 6J, BRONX, NY 10455-3072 |
| Document Number | 0074080114 |
|---|---|
| Date | Jul 22, 2021 |
| Book Page | 7408/114 |
| Instrument | 8538-2021 |
| Name | HSBC BANK USA |
|---|---|
| Type | Bank |
| Address | NEW YORK, NY 10018 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | PUTNAM NY |
| Recording Date | Jul 22, 2021 |
| Property Address | 92 FAIR ST, CARMEL, NY 10512-1305 |
| Document Number | 0022240026 |
| Book / Page | 2224 / 26 |
| Instrument Date | Jul 16, 2021 |
| Instrument | 8535-2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2021 |
| Title Company | JUDICIAL TITLE INSURANCE AGENCY INC, JUDICIAL TITLE INS AGCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,880.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 92 FAIR ST, 92, CARMEL, NY 10512-1305 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 500 TRINITY AVE APT 6J, 6J, BRONX, NY 10455-3072 |
| Document Number | 740882 |
|---|---|
| Date | Jul 22, 2021 |
| Instrument | 7408/82 |
| Name | HSBC BANK USA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Number | 0074080103 |
|---|---|
| Date | Jul 22, 2021 |
| Book Page | 7408/103 |
| Instrument | 8537-2021 |
| Name | HSBC BANK USA |
|---|---|
| Type | Bank |
| Address | NEW YORK, NY 10018 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
Source: Putnam County and Carmel Town assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Putnam County |
| County Subdivision | Carmel Town |
| Unified School District | Carmel Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $603,700 Land $86,700 Building $517,000 | $603,700 Land $86,700 Building $517,000 | |
| 2024 | $18,241.00 | ||
| 2023 | $543,900 (+7.09%) Land $78,800 Building $465,100 | $543,900 (+7.09%) Land $78,800 Building $465,100 | |
| 2022 | $507,900 Land $78,800 Building $429,100 | $507,900 Land $78,800 Building $429,100 | |
| 2020 | $5,976.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 92 Fair St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.
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 |
| Flood Insurance Cost | Premium on File median of 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 1 (2021) |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
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 risk around 92 Fair St 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 142 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 |
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