Fulton County and Johnstown City property record for 13 Cummings Ave, Johnstown, NY 12095
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,708 sqft · built 1890 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $138,800 (Jun 2018) |
| Tax Bill | $5,938 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Apr 2021 Refinance + 1 more |
| APN | 170800 163.9-5-9.1 |
| Primary APN | 170800 163.9-5-9.1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,708 sqft Living Area |
| 1st Floor Area | 1,300 sqft |
| 2nd Floor Area | 408 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 120 ft deep x 100 ft wide |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 360 sqft |
| Shed | 1 Shed |
| Shed Area | 160 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 13 CUMMINGS AVE |
|---|---|
| City | JOHNSTOWN |
| State | NY |
| Zip | 12095-1027 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Block | 5 |
| Legal Lot Number | 9.001 |
| Jurisdiction | FULTON NY |
| Township / Civil Division | JOHNSTOWN |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 971200 |
Source: Fulton County and Johnstown City assessment roll, as of April 17, 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 | 13 CUMMINGS AVE, JOHNSTOWN, NY 12095-1027 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 15, 2025 | Deed of Trust, Mortgage · Line of Credit TCT FCU |
| Apr 22, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance TCT FCU |
| Jun 28, 2018 | Deed, Transfer · FHA Mortgage HOMESTEAD FUNDING CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 28, 2018 · Amount on Record |
| Deed Sale | Jun 28, 2018 · Amount on Record |
| Prior Sale | Mar 27, 2013 · Amount on Record |
| Deed Document Number | 201850766 |
| Prior Transfer Date | Apr 16, 2007 |
| Prior Transfer Doc | 0000001069/000000007 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FULTON NY |
| Property Address | 13 CUMMINGS AVE, JOHNSTOWN, NY 12095-1027 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0202593231 |
|---|---|
| Date | Sep 15, 2025 |
| Instrument | 2025-93231 |
| Name | TCT FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Oct 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FULTON NY |
| Property Address | 13 CUMMINGS AVE, JOHNSTOWN, NY 12095-1027 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202166969 |
|---|---|
| Date | Apr 22, 2021 |
| Instrument | 2021-66969 |
| Name | TCT FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 1, 2041 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FULTON NY |
| Recording Date | Jun 28, 2018 |
| Property Address | 13 CUMMINGS AVE, JOHNSTOWN, NY 12095-1027 |
| Document Number | 0201850766 |
| Instrument | 2018-50766 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 201850767 |
|---|---|
| Date | Jun 28, 2018 |
| Instrument | 2018-50767 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
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 |
|---|---|---|---|
| 2025 | $5,938.00 | $129,000 (-) Land $19,700 Building $109,300 | $208,065 (+20.97%) Land $31,774 Building $176,291 |
| 2023 | $129,000 Land $19,700 Building $109,300 | $172,000 Land $26,267 Building $145,733 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 6 in force |
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: 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 | Direct burnable vegetation at the parcel |
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 46 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 USA Fixed Wireless | 100 / 20 |
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