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Single Family ResidenceResidential
$1,166,762$322 / 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 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $824,000 on Dec 3, 2003

14 RUBY LN

CARMEL, NY 10512
4
Beds
2.5
Baths
3,624 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.
3.75 ac
Lot SizeThe size of the land the home sits on, from county records.
1998
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.2M
$1.1M low$1.2M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$824,000 · Dec 3, 2003

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$23,124 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$974,300 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$128,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$845,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$927,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$974,300

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.39
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
22
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
60
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
96
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.
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.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Colonial
CountyPUTNAM
Lot (acres)The size of the land the home sits on, from county records.3.75
HeatingThe type of heating system in the home.Hot Water
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
PoolWhether the property has a pool, and what kind, such as in-ground.No
ViewThe type of view from the property, or another feature of the site that affects value.Waterfront
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 536 ft²Porch · 32 ft²

Transaction History(2)

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

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

M
North Salem Middle School/High SchoolA
Middle · Grades 6–12 · 3.2 mi
E
Pequenakonck Elementary SchoolB+
Elementary · Grades PK–5 · 3.6 mi

District: North Salem 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%

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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

14 Ruby Ln 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.

  • Among the most valuable homes in Carmel 10512
  • Bigger than 97% of homes in Carmel 10512
  • Has a bigger lot than 95% of homes in Carmel 10512
  • Newer than 89% 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
$240K$1.1M

This home is worth more than almost all 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$1,166,762
CheaperTypical $517,362Pricier

Pricier than almost all homes nearby

Price per ft²$322
CheaperTypical $317Pricier

Pricier than 53% of homes nearby

Living area3,624 ft²
SmallerTypical 1,622 ft²Bigger

Bigger than 97% of homes nearby

Lot size3.75 ac
SmallerTypical 0.48 acBigger

Bigger than 95% of homes nearby

Year built1998
OlderTypical 1969Newer

Newer than 87% of homes nearby

How 14 Ruby Ln ranks against every home in each area.
MeasureThis homeCarmel 10512Putnam County
Estimated valuepricier than$1,166,762almost all homes96% of homes
Price per ft²pricier than$32253% of homes49% of homes
Living areabigger than3,624 ft²97% of homes95% of homes
Lot sizebigger than3.75 ac95% of homes93% of homes
Year builtnewer than199887% of homes89% of homes

About 14 Ruby Ln

How much is 14 Ruby Ln, Carmel, NY worth?

The TopHap Estimate for 14 Ruby Ln, Carmel, NY is $1,166,762 as of Sep 24, 2026. The likely range is $1,103,942 to $1,229,582. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 14 Ruby Ln, Carmel, NY last sell?

14 Ruby Ln, Carmel, NY last sold on Dec 3, 2003 for $824,000, according to the county's recorded deed.

How big is 14 Ruby Ln, Carmel, NY?

14 Ruby Ln, Carmel, NY has 4 bedrooms, 2.5 bathrooms, 3,624 square feet of living space and a 3.75-acre lot.

When was 14 Ruby Ln, Carmel, NY built?

14 Ruby Ln, Carmel, NY was built in 1998, making it 28 years old. It is a colonial home. The building has 2 stories.

What schools serve 14 Ruby Ln, Carmel, NY?

14 Ruby Ln, Carmel, NY is assigned to North Salem Middle School/High School (middle), rated A; Pequenakonck Elementary School (elementary), rated B+. All sit in North Salem Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 14 Ruby Ln, Carmel, NY compare to other homes in Carmel 10512?

Among the 9,274 homes in Carmel 10512, it is worth more than almost all of them ($1,166,762 against a typical $517,362), its price per square foot is higher than 53% of them ($322 against a typical $317), it is bigger than 97% of them (3,624 ft² against a typical 1,622 ft²), its lot is bigger than 95% of them (3.75 ac against a typical 0.48 ac) and it is newer than 87% of them (1998 against a typical 1969). Measured against all of Putnam County, it is worth more than 96% 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 14 Ruby Ln, Carmel, NY?

The 2024 property tax bill for 14 Ruby Ln, Carmel, NY was $23,124. The county assessed it at $974,300.

More homes on Ruby Ln

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