98 Cherry Hill Rd, Carmel, NY 10512 Property Records

Putnam County and Carmel Town property record for 98 Cherry Hill Rd, Carmel, NY 10512

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,298 sqft · built 1969
Lot Size	1.16 acres (50,530 sqft)
Owner	Individual Name on Record
Last Sale	$429,900 (Nov 2019)
Tax Bill	$15,388 (2024)
Deeds & Mortgages	Jul 2026 Line of Credit Apr 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`372000 66.17-1-38`

Property Details

APN / Parcel Number

Primary APN	`372000 66.17-1-38`
Alternative APNs	`200006601700010380000000` `133855`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,298 sqft Living Area
1st Floor Area	1,726 sqft
Basement Area	572 sqft
Finished Basement	572 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 2018
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Lot Area	50,530 sqft (1.16 acres)
Lot Dimensions	321 ft deep x 166 ft wide
View / Lot	Waterfront
Garage Type	Basement
Porch	Open Porch
Porch Area	308 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Account Number	133855
Street Address	98 CHERRY HILL RD
City	CARMEL
State	NY
Zip	10512-3833
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Subdivision	MAP OF VICTOR F CASTEGNER
Legal Block	1
Legal Lot Number	38.00
Jurisdiction	PUTNAM NY
Township / Civil Division	CARMEL
Census Block Group	3
Census Block	3009
Census Tract	11600

Owner

Source: Putnam County and Carmel Town records, as of August 12, 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 Record
Mailing Address	98 CHERRY HILL RD, CARMEL, NY 10512-3833
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Apr 2, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Nov 20, 2019	Bargain and Sale Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP
May 2, 2019	Trustee's Deed, Foreclosure OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2019 · Amount on Record
Deed Sale	Nov 20, 2019 · Amount on Record
Prior Sale	May 2, 2019 · Amount on Record
Deed Document Number	2019155042019
Deed Book / Page	2138 / 170
Prior Transfer Date	Dec 6, 2000
Prior Transfer Doc	1536000163
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Recording Date	Jul 23, 2026
Property Address	98 CHERRY HILL RD, CARMEL, NY 10512-3833
Document Number	0000004623
Book / Page	8130 / 202
Instrument Date	Jul 10, 2026
Instrument	20264623
Transaction Type	Mortgage
Record Updated	Aug 12, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 CHERRY HILL RD, CARMEL, NY 10512-3833

Mortgage

Document Number	0000004623,
Date	Jul 23, 2026
Book Page	8130/202
Instrument	20264623

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 14, 2051

Interest

Rate	6.52%
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM NY
Property Address	98 CHERRY HILL RD, CARMEL, NY 10512-3833
Transaction Type	Mortgage
Record Updated	Apr 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 CHERRY HILL RD, CARMEL, NY 10512-3833

Mortgage

Document Number	0078630214
Date	Apr 2, 2024
Book Page	7863/214
Instrument	1787-2024

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Mar 19, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	PUTNAM NY
Recording Date	Nov 20, 2019
Property Address	98 CHERRY HILL RD, CARMEL, NY 10512-3833
Document Number	0021380170
Book / Page	2138 / 170
Map Reference	MAP 1061
Instrument Date	Oct 30, 2019
Instrument	15504-2019
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	NEW AGE TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,720.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	38 S HILLSIDE AVE, 38, ELMSFORD, NY 10523-3619

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 CHERRY HILL RD, CARMEL, NY 10512-3833

Mortgage

Document Number	0006997321
Date	Nov 20, 2019
Instrument	6997/321

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

May 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	PUTNAM NY
Recording Date	May 2, 2019
Property Address	98 CHERRY HILL RD, CARMEL, NY 10512-3833
Document Number	0021100178
Book / Page	002110 / 000178
Instrument Date	Apr 18, 2019
Instrument	9658
Transaction Type	Foreclosure
Record Updated	May 29, 2019
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$1,316.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1 BARGER HILL RD PUTNAM VALLEY NY 105792711, PUTNAM VALLEY, NY 10579-2711

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	Mahopac Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$604,100 (+12.35%) Land $111,400 Building $492,700	$604,100 (+12.35%) Land $111,400 Building $492,700
2024	$15,388.00 (+286.44%)
2023		$537,700 (+11%) Land $101,300 Building $436,400	$537,700 (+11%) Land $101,300 Building $436,400
2022		$484,400 Land $101,300 Building $383,100	$484,400 Land $101,300 Building $383,100
2020	$3,982.00

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	4 in force
Nearby Flood Claims	2 (1978–1981)
Most Recent Claim	Apr 1981 · tidal / storm surge

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 107 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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