Fulton County and Johnstown City property record for 15 Prospect St, Johnstown, NY 12095
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,096 sqft · built 1910 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $89,900 (Oct 2008) |
| Tax Bill | $3,028 (2026) |
| Deeds & Mortgages | Jan 2026 Line of Credit Jan 2024 Refinance + 1 more |
| APN | 170800 174.8-16-15 |
| Primary APN | 170800 174.8-16-15 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,096 sqft Living Area |
| 1st Floor Area | 1,048 sqft |
| 2nd Floor Area | 1,048 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 165 ft deep x 44 ft wide |
| Porch | Slab |
| Porch Area | 175 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 15 PROSPECT ST |
|---|---|
| City | JOHNSTOWN |
| State | NY |
| Zip | 12095-2504 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Block | 16 |
| Legal Lot Number | 15.000 |
| Jurisdiction | FULTON NY |
| Township / Civil Division | JOHNSTOWN |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 971300 |
15 Prospect St is owned and occupied by an individual who acquired it in February 2014.
Source: Fulton County and Johnstown City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 15 PROSPECT ST, JOHNSTOWN, NY 12095-2504 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 6, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Jan 25, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance SIDNEY FEDERAL CREDIT UNION |
| Oct 11, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance EMPOWER FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 8, 2008 · Amount on File |
| Deed Sale | Oct 8, 2008 · Amount on File |
| Prior Sale | Jun 13, 1995 · Amount on File |
| Deed Book / Page | 1111 / 331 |
| Last Transfer Date | Feb 6, 2014 |
| Transfer Doc | 0000002014/000002464 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FULTON NY |
| Property Address | 15 PROSPECT ST, JOHNSTOWN, NY 12095-2504 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0202694973 |
|---|---|
| Date | Jan 6, 2026 |
| Instrument | 2026-94973 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 289 Months |
| Due | Feb 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FULTON NY |
| Property Address | 15 PROSPECT ST, JOHNSTOWN, NY 12095-2504 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0202484695 |
|---|---|
| Date | Jan 25, 2024 |
| Instrument | 2024-84695 |
| Name | SIDNEY FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FULTON NY |
| Property Address | 15 PROSPECT ST, JOHNSTOWN, NY 12095-2504 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0202383236 |
|---|---|
| Date | Oct 11, 2023 |
| Instrument | 2023-83236 |
| Name | EMPOWER FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Nov 1, 2033 |
The 2026 property tax bill for 15 Prospect St was $3,028 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 | $3,028.00 (-31.48%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $4,419.00 | $96,000 Land $12,800 Building $83,200 | $154,839 Land $20,645 Building $134,194 |
| 2023 | $96,000 Land $12,800 Building $83,200 | $128,000 Land $17,067 Building $110,933 |
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 15 Prospect St; there have been 3 flood claims nearby since 1980.
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 | 1 in force |
| Nearby Flood Claims | 3 (1980–1981) |
| Most Recent Claim | Oct 1981 · tidal / storm surge |
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 15 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 | Direct burnable vegetation |
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 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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