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Rural ResidenceResidential
$928,357$283 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 85How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $650,000 on Mar 4, 2021

21 RIVER RUN

CARMEL, NY 10512
4
Beds
4 / 1
Baths
3,284 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
12.29 ac
Lot SizeThe size of the land the home sits on, from county records.
2008
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$928K
$790K low$1.1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$650,000 · Mar 4, 2021
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$208,357
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$166,686
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.79%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$520,000
UNITED NORTHERN MORTGAGE BANKERS LT · recorded Mar 4, 2021
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$200,000
HUDSON VALLEY FCU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$22,553 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$850,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$159,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$690,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$850,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$850,000

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.45
43
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
18
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
55
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
97
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
16
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.13 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Rural Residence
StyleThe architectural style of the home, such as ranch or colonial.Contemporary
CountyPutnam
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2010
Lot (acres)The size of the land the home sits on, from county records.12.29
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 280 ft²

Transaction History(6)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(2)

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
George Fischer Middle SchoolC
Middle · Grades 5–8 · 0.4 mi
H
Carmel High SchoolB
High · Grades 9–12 · 1.6 mi
E
Matthew Paterson Elementary SchoolB+
Elementary · Grades KG–4 · 5.0 mi

District: Carmel Central School District

Neighborhood · ZIP 10512These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.97
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.106
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.90

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.28%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.24,045
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.397 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$113,578
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$132,544
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.51 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

21 River Run measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 95% of homes in Carmel 10512
  • Costs less per square foot than 78% of homes in Putnam County
  • Bigger than 95% of homes in Carmel 10512
  • Among the largest lots in Carmel 10512
  • Newer than 96% of homes in Putnam County

What homes are worth in Carmel 10512

Each bar is how many homes fall in that price range. The marker is this home.

This home
$211K$1M

This home is worth more than 95% of homes in Carmel 10512.

How it measures up in Carmel 10512

The dot is this home. The mark in the middle is the typical home in Carmel 10512.

Estimated value$928,357
CheaperTypical $515,781Pricier

Pricier than 95% of homes nearby

Price per ft²$283
CheaperTypical $323Pricier

Pricier than 27% of homes nearby

Living area3,284 ft²
SmallerTypical 1,586 ft²Bigger

Bigger than 95% of homes nearby

Lot size12.29 ac
SmallerTypical 0.47 acBigger

Bigger than almost all homes nearby

Year built2008
OlderTypical 1969Newer

Newer than 95% of homes nearby

How 21 River Run ranks against every home in each area.
MeasureThis homeCarmel 10512Putnam County
Estimated valuepricier than$928,35795% of homes91% of homes
Price per ft²pricier than$28327% of homes22% of homes
Living areabigger than3,284 ft²95% of homes93% of homes
Lot sizebigger than12.29 acalmost all homes98% of homes
Year builtnewer than200895% of homes96% of homes

About 21 River Run

How much is 21 River Run, Carmel, NY worth?

The TopHap Estimate for 21 River Run, Carmel, NY is $928,357 as of Jul 14, 2026. The likely range is $789,918 to $1,066,796. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 21 River Run, Carmel, NY last sell?

21 River Run, Carmel, NY last sold on Mar 4, 2021 for $650,000, according to the county's recorded deed. TopHap holds 6 recorded sales for this parcel.

How big is 21 River Run, Carmel, NY?

21 River Run, Carmel, NY has 4 bedrooms, 4 bathrooms, 3,284 square feet of living space and a 12.29-acre lot.

When was 21 River Run, Carmel, NY built?

21 River Run, Carmel, NY was built in 2008, making it 18 years old. It is a contemporary home. The building has 2 stories.

What schools serve 21 River Run, Carmel, NY?

21 River Run, Carmel, NY is assigned to George Fischer Middle School (middle), rated C; Carmel High School (high), rated B; Matthew Paterson Elementary School (elementary), rated B+. All sit in Carmel Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 21 River Run, Carmel, NY compare to other homes in Carmel 10512?

Among the 9,334 homes in Carmel 10512, it is worth more than 95% of them ($928,357 against a typical $515,781), its price per square foot is higher than 27% of them ($283 against a typical $323), it is bigger than 95% of them (3,284 ft² against a typical 1,586 ft²), its lot is bigger than almost all of them (12.29 ac against a typical 0.47 ac) and it is newer than 95% of them (2008 against a typical 1969). Measured against all of Putnam County, it is worth more than 91% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 21 River Run, Carmel, NY?

The 2025 property tax bill for 21 River Run, Carmel, NY was $22,553. The county assessed it at $850,000.

More homes on River Run

Closest homes

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Assigned schools

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