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Single Family ResidenceResidential
$992,052$285 / 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 66How 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

195 RESSIQUE ST

CARMEL, NY 10512
4
Beds
4 / 1
Baths
3,479 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.
4.79 ac
Lot SizeThe size of the land the home sits on, from county records.
1987
Year BuiltThe year the home was originally built, according to county records.
3
StoriesHow many floors the home has above ground.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$992K
$657K low$1.3M high
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.$792,052
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$633,642
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.20%
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.$200,000
CITIMORTGAGE INC · recorded Apr 28, 2008

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$30,815 (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.$1,200,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$114,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$1,085,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,200,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,200,000

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.38
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.
55
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
98
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
15
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.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.2000
Lot (acres)The size of the land the home sits on, from county records.4.79
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Raised (Unspecified)
HeatingThe type of heating system in the home.Electric
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 · 1,161 ft²Greenhouse

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.

E
Kent Elementary SchoolB-
Elementary · Grades KG–4 · 2.1 mi
M
George Fischer Middle SchoolC
Middle · Grades 5–8 · 5.7 mi
H
Carmel High SchoolB
High · Grades 9–12 · 5.9 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

195 Ressique St 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 97% of homes in Carmel 10512
  • Costs less per square foot than 76% of homes in Putnam County
  • Bigger than 96% of homes in Carmel 10512
  • Has a bigger lot than 95% of homes in Carmel 10512
  • Newer than 79% 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
$204K$1M

This home is worth more than 97% 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$992,052
CheaperTypical $515,227Pricier

Pricier than 97% of homes nearby

Price per ft²$285
CheaperTypical $323Pricier

Pricier than 28% of homes nearby

Living area3,479 ft²
SmallerTypical 1,596 ft²Bigger

Bigger than 96% of homes nearby

Lot size4.79 ac
SmallerTypical 0.48 acBigger

Bigger than 95% of homes nearby

Year built1987
OlderTypical 1969Newer

Newer than 78% of homes nearby

How 195 Ressique St ranks against every home in each area.
MeasureThis homeCarmel 10512Putnam County
Estimated valuepricier than$992,05297% of homes93% of homes
Price per ft²pricier than$28528% of homes24% of homes
Living areabigger than3,479 ft²96% of homes95% of homes
Lot sizebigger than4.79 ac95% of homes94% of homes
Year builtnewer than198778% of homes79% of homes

About 195 Ressique St

How much is 195 Ressique St, Carmel, NY worth?

The TopHap Estimate for 195 Ressique St, Carmel, NY is $992,052 as of Jul 14, 2026. The likely range is $657,292 to $1,326,812. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 195 Ressique St, Carmel, NY?

195 Ressique St, Carmel, NY has 4 bedrooms, 4 bathrooms, 3,479 square feet of living space and a 4.79-acre lot.

When was 195 Ressique St, Carmel, NY built?

195 Ressique St, Carmel, NY was built in 1987, making it 39 years old. It is a contemporary home. The building has 3 stories.

What schools serve 195 Ressique St, Carmel, NY?

195 Ressique St, Carmel, NY is assigned to Kent Elementary School (elementary), rated B-; George Fischer Middle School (middle), rated C; Carmel High School (high), rated B. All sit in Carmel Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 195 Ressique St, Carmel, NY compare to other homes in Carmel 10512?

Among the 9,325 homes in Carmel 10512, it is worth more than 97% of them ($992,052 against a typical $515,227), its price per square foot is higher than 28% of them ($285 against a typical $323), it is bigger than 96% of them (3,479 ft² against a typical 1,596 ft²), its lot is bigger than 95% of them (4.79 ac against a typical 0.48 ac) and it is newer than 78% of them (1987 against a typical 1969). Measured against all of Putnam County, it is worth more than 93% 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 195 Ressique St, Carmel, NY?

The 2025 property tax bill for 195 Ressique St, Carmel, NY was $30,815. The county assessed it at $1,200,000.

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Assigned schools

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