Fulton County and Johnstown City property record for 202 E Main St, Johnstown, NY 12095 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,776 sqft · built 1920 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $192,390 (Jul 2026) |
| Tax Bill | $3,406 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Dec 2022 Line of Credit + 1 more |
| APN | 170800 174.8-10-3 |
| Primary APN | 170800 174.8-10-3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,776 sqft Living Area |
| 1st Floor Area | 888 sqft |
| 2nd Floor Area | 888 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 145 ft deep x 48 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 216 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 202 E MAIN ST |
|---|---|
| City | JOHNSTOWN |
| State | NY |
| Zip | 12095-2619 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 10 |
| Legal Lot Number | 3.000 |
| 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 174.8-10-3
Assessment roll updated April 17, 2026 · Last verified August 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 | 843 CUTLER ST, 3, SCHENECTADY, NY 12303-2062 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 08, 2026 | Warranty Deed, Transfer · Stand-Alone First Mortgage AMERICAN FINANCIAL NETWORK |
| Dec 05, 2022 | Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB |
| May 16, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance FLAGSTAR BANK FSB |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 08, 2026 · Amount on Record |
| Deed Sale | Jul 08, 2026 · Amount on Record |
| Prior Sale | May 19, 1998 · Amount on Record |
| Deed Document Number | 202697580 |
| Prior Transfer Date | Jul 27, 2015 |
| Prior Transfer Doc | 2015033223 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FULTON NY |
| Recording Date | Jul 08, 2026 |
| Property Address | 202 E MAIN ST, JOHNSTOWN, NY 12095-2619 |
| Document Number | 0000097580 |
| Instrument Date | Jun 25, 2026 |
| Instrument | 202697580 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2026 |
| Title Company | CHICAGO TITLE W, CHICAGO TITLE |
| 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 |
|---|
| Date | Jul 08, 2026 |
|---|
| Name | AMERICAN FINANCIAL NETWORK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FULTON NY |
| Property Address | 202 E MAIN ST, JOHNSTOWN, NY 12095-2619 |
| Transaction Type | Mortgage |
| Record Updated | Dec 27, 2022 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0202278368 |
|---|---|
| Date | Dec 05, 2022 |
| Instrument | 2022-78368 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2053 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FULTON NY |
| Property Address | 202 E MAIN ST, JOHNSTOWN, NY 12095-2619 |
| Transaction Type | Mortgage |
| Record Updated | Jun 07, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0202274726 |
|---|---|
| Date | May 16, 2022 |
| Instrument | 2022-74726 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 01, 2037 |
Source: Fulton County and Johnstown City records · Assessment roll updated April 17, 2026 · Last verified August 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,406.00 | $74,000 (-) Land $12,000 Building $62,000 | $119,355 (+20.97%) Land $19,355 Building $100,000 |
| 2023 | $74,000 Land $12,000 Building $62,000 | $98,667 Land $16,000 Building $82,667 |
Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360359712002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Flood Insurance Cost | Premium on Record median of 12 individual NFIP policies nearby |
| 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 Storm |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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, availability as of December 31, 2025 · Published October 2026 · based on 521 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Frontier | Fiber | 7,000 / 7,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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