Fulton County and Johnstown City property record for 103 E Montgomery St, Johnstown, NY 12095
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,512 sqft · built 1924 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,807 (2026) |
| Deeds & Mortgages | Dec 2021 Refinance |
| APN | 170800 174.12-5-29 |
| Primary APN | 170800 174.12-5-29 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,512 sqft Living Area |
| 1st Floor Area | 756 sqft |
| 2nd Floor Area | 756 sqft |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,227 sqft (0.12 acres) |
| Lot Dimensions | 114 ft deep x 60 ft wide |
| Porch | Slab |
| Porch Area | 344 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 103 E MONTGOMERY ST |
|---|---|
| City | JOHNSTOWN |
| State | NY |
| Zip | 12095-2524 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Block | 5 |
| Legal Lot Number | 29.000 |
| Jurisdiction | FULTON NY |
| Township / Civil Division | JOHNSTOWN |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 971200 |
103 E Montgomery St is owned and occupied by two individuals.
Source: Fulton County and Johnstown City records, as of September 23, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 103 E MONTGOMERY ST, JOHNSTOWN, NY 12095-2524 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FULTON NY |
| Property Address | 103 E MONTGOMERY ST, JOHNSTOWN, NY 12095-2524 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0202171931 |
|---|---|
| Date | Dec 17, 2021 |
| Instrument | 2021-71931 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 289 Months |
| Due | Jan 1, 2046 |
The 2026 property tax bill for 103 E Montgomery St was $2,807 with exemptions applied, down 31.5% from the year before.
Source: Fulton County and Johnstown City assessment roll, as of April 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Fulton County |
| Municipality | Johnstown City |
| Unified School District | Johnstown City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,807.00 (-31.47%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $4,096.00 | $89,000 Land $10,500 Building $78,500 | $143,548 Land $16,935 Building $126,613 |
| 2023 | $89,000 Land $10,500 Building $78,500 | $118,667 Land $14,000 Building $104,667 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 103 E Montgomery St; there have been 3 flood claims nearby since 2011.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 3 (2011–2022) |
| Most Recent Claim | Apr 2022 · rainfall accumulation |
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 103 E Montgomery 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 | None beyond ember reach |
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 | JOHNSTOWN (C) WATER WORKS serves 8,154 people · EPA ID NY1700019 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2024 |
| Lead | 3 ppb (2021–2023) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Jul 2019 |
|---|---|
| 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 391 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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