103 Prospect St, Johnstown, NY 12095 Property Records

Fulton County and Johnstown City property record for 103 Prospect St, Johnstown, NY 12095

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,768 sqft · built 1930
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$200,850 (Aug 2026)
Tax Bill	$2,365 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Aug 2017 Line of Credit + 2 more
APN	`170800 174.8-17-35`

Property Details

APN / Parcel Number

Primary APN	`170800 174.8-17-35`
Alternative APN	`080017400800170350000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,768 sqft Living Area
1st Floor Area	884 sqft
2nd Floor Area	884 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	165 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	144 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	103 PROSPECT ST
City	JOHNSTOWN
State	NY
Zip	12095-2503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Block	17
Legal Lot Number	35.000
Jurisdiction	FULTON NY
Township / Civil Division	JOHNSTOWN
Census Block Group	4
Census Block	4011
Census Tract	971200

Owner

103 Prospect St is owned by two individuals who bought it in August 2026.

Source: Fulton County and Johnstown City records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	404 S WILLIAM ST, JOHNSTOWN, NY 12095-2914
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2026	Warranty Deed, Transfer · Stand-Alone First Mortgage HOMESTEAD FUNDING CORPORATION
Aug 9, 2017	Deed of Trust, Mortgage · Line of Credit KEY BANK NA
Jan 22, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage AMERICAN FINANCIAL RESOURCES INC
Nov 26, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2026 · Amount on File
Deed Sale	Aug 11, 2026 · Amount on File
Prior Sale	Jan 22, 2021 · Amount on File
Deed Document Number	202698103
Transfer Doc	2018/53265
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FULTON NY
Recording Date	Aug 11, 2026
Property Address	103 PROSPECT ST, JOHNSTOWN, NY 12095-2503
Document Number	0000098103
Instrument Date	Aug 7, 2026
Instrument	202698103
Transaction Type	Transfer
Record Updated	Sep 1, 2026
Title Company	AMERICAN LAND TITLE ASSOCIATION, AMERICAN LAND TITLE ASSN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Date	Aug 11, 2026

Lender

Name	HOMESTEAD FUNDING CORPORATION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Max Rate	-1%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FULTON NY
Property Address	103 PROSPECT ST, JOHNSTOWN, NY 12095-2503
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201745560
Date	Aug 9, 2017
Instrument	2017-45560

Lender

Name	KEY BANK NA

Agreement

Type	Line of Credit
Amount	Amount on Record

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FULTON NY
Recording Date	Jan 22, 2021
Property Address	103 PROSPECT ST, JOHNSTOWN, NY 12095-2503
Document Number	0202165342
Instrument Date	Jan 14, 2021
Instrument	2021-65342
Transaction Type	Transfer
Record Updated	Apr 12, 2022
Title Company	MISC COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 S MELCHER ST APT 1, 1, JOHNSTOWN, NY 12095-2950
Investor	Possibly a Property Investor

Mortgage

Document Number	0202165343
Date	Jan 22, 2021
Instrument	2021-65343

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

November 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FULTON NY
Recording Date	Nov 26, 2018
Property Address	103 PROSPECT ST, JOHNSTOWN, NY 12095-2503
Document Number	2018/53265
Book / Page	2018 / 53265
Transaction Type	Transfer
Record Updated	Apr 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1089 STONE ARABIA RD, FORT PLAIN, NY 13339-2121

Tax Assessment & Valuation

The 2026 property tax bill for 103 Prospect St was $2,365, down 31.5% from the year before.

Source: Fulton County and Johnstown City assessment roll, as of April 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Fulton County
Municipality	Johnstown City
Unified School District	Johnstown City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,365.00 (-31.49%)
2025	$3,452.00	$75,000 Land $18,800 Building $56,200	$120,968 Land $30,323 Building $90,645
2023		$75,000 Land $18,800 Building $56,200	$100,000 Land $25,067 Building $74,933

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA has no flood map on file for 103 Prospect 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

Wildfire risk around 103 Prospect 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 521 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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