Fulton County and Johnstown City property record for 125 E State St, Johnstown, NY 12095
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,226 sqft · built 1880 |
| Lot Size | 1.2 acres (52,272 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $52,500 (May 2005) |
| Tax Bill | $5,063 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Jun 2022 Refinance + 2 more |
| APN | 170800 175.5-5-31 |
| Primary APN | 170800 175.5-5-31 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,226 sqft Living Area |
| 1st Floor Area | 1,113 sqft |
| 2nd Floor Area | 1,113 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 52,272 sqft (1.2 acres) |
| Pool Type | Above-Ground Pool |
|---|---|
| Porch | Slab |
| Porch Area | 210 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 125 E STATE ST |
|---|---|
| City | JOHNSTOWN |
| State | NY |
| Zip | 12095-2614 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Block | 5 |
| Legal Lot Number | 31.000 |
| Jurisdiction | FULTON NY |
| Township / Civil Division | JOHNSTOWN |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 971200 |
Source: Fulton County and Johnstown City records · APN 170800 175.5-5-31
Assessment roll updated April 17, 2026 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 125 E STATE ST, JOHNSTOWN, NY 12095-2614 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 28, 2026 | Deed of Trust, Mortgage · Line of Credit FEDERAL FINANCIAL FEDERAL CREDIT UNION |
| Jun 24, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance FIRST CHOICE FINANCIAL FCU |
| Dec 05, 2018 | Deed of Trust, Mortgage · Stand-Alone Refinance FIRST CHOICE FINANCIAL FCU |
| May 11, 2017 | Deed of Trust, Mortgage · Line of Credit FIRST CHOICE FINANCIAL FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 10, 2005 · Amount on Record |
| Deed Sale | May 10, 2005 · Amount on Record |
| Deed Book / Page | 1004 / 120 |
| Prior Transfer Date | Apr 28, 2005 |
| Prior Transfer Doc | 0000001004/000000012 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FULTON NY |
| Recording Date | Jul 28, 2026 |
| Property Address | 125 E STATE ST, JOHNSTOWN, NY 12095-2614 |
| Document Number | 0000097897 |
| Instrument Date | Jul 21, 2026 |
| Instrument | 202697897 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 125 E STATE ST, JOHNSTOWN, NY 12095-2614 |
| Document Number | 0000097897, |
|---|---|
| Date | Jul 28, 2026 |
| Instrument | 202697897 |
| Name | FEDERAL FINANCIAL FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.49% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FULTON NY |
| Property Address | 125 E STATE ST, JOHNSTOWN, NY 12095-2614 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0202275424 |
|---|---|
| Date | Jun 24, 2022 |
| Instrument | 2022-75424 |
| Name | FIRST CHOICE FINANCIAL FCU |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jul 01, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FULTON NY |
| Property Address | 125 E STATE ST, JOHNSTOWN, NY 12095-2614 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201853452 |
|---|---|
| Date | Dec 05, 2018 |
| Instrument | 2018-53452 |
| Name | FIRST CHOICE FINANCIAL FCU |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FULTON NY |
| Property Address | 125 E STATE ST, JOHNSTOWN, NY 12095-2614 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2019 |
| Name | Verified Name |
|---|
| Document Number | 201744034 |
|---|---|
| Date | May 11, 2017 |
| Instrument | 2017-44034 |
| Name | FIRST CHOICE FINANCIAL FCU |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
Source: Fulton County and Johnstown City records · Assessment roll updated April 17, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | New York |
| County | Fulton County |
| Municipality | Johnstown City |
| Unified School District | Johnstown City School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,063.00 | $110,000 (+3.77%) Land $40,800 Building $69,200 | $177,419 (+25.53%) Land $65,806 Building $111,613 |
| 2023 | $106,000 Land $40,800 Building $65,200 | $141,333 Land $54,400 Building $86,933 |
Source: FEMA National Flood Hazard Layer · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 15 (1998–2011) |
| Claims Outside the SFHA | 2 of 15 |
| Most Recent Claim | Sep 2011 · river or lake flooding |
| Claims by Event |
|
| Wildfire Risk | Low lower than 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 210 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | JOHNSTOWN (C) WATER WORKS serves 8,154 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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