Fulton County and Johnstown City property record for 22 E Montgomery St, Johnstown, NY 12095
| Property Type | Duplex |
|---|---|
| Details | 7 bd · 2 ba · 2,765 sqft · built 1889 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Individual Name on File |
| Last Sale | $55,000 (Nov 1998) |
| Tax Bill | $3,059 (2026) |
| Deeds & Mortgages | Jan 2023 Line of Credit Nov 2019 Refinance + 1 more |
| APN | 170800 174.12-3-10 |
| Primary APN | 170800 174.12-3-10 |
|---|---|
| Alternative APN |
|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,765 sqft Total Area |
| 1st Floor Area | 1,106 sqft |
| 2nd Floor Area | 1,106 sqft |
| Upper Floors Area | 553 sqft |
| Year Built | Built 1889 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,356 sqft (0.1 acres) |
| Lot Dimensions | 86 ft deep x 50 ft wide |
| Porch | Slab |
| Porch Area | 195 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 22 E MONTGOMERY ST |
|---|---|
| City | JOHNSTOWN |
| State | NY |
| Zip | 12095-2523 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 03 - MULTI |
| Legal Block | 3 |
| Legal Lot Number | 10.000 |
| Jurisdiction | FULTON NY |
| Township / Civil Division | JOHNSTOWN |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 971300 |
22 E Montgomery St, a duplex, is owned and occupied by an individual who acquired it in July 2003.
Source: Fulton County and Johnstown City records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 22 E MONTGOMERY ST, JOHNSTOWN, NY 12095-2523 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 9, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Nov 18, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance BERKSHIRE BANK |
| Nov 18, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance BERKSHIRE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 3, 1998 · Amount on File |
| Deed Sale | Nov 3, 1998 · Amount on File |
| Deed Book / Page | 817 / 289 |
| Last Transfer Date | Jul 23, 2003 |
| Transfer Doc | 0947000124 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FULTON NY |
| Property Address | 22 E MONTGOMERY ST, JOHNSTOWN, NY 12095-2523 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0202378970 |
|---|---|
| Date | Jan 9, 2023 |
| Instrument | 2023-78970 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 289 Months |
| Due | Feb 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FULTON NY |
| Property Address | 22 E MONTGOMERY ST, JOHNSTOWN, NY 12095-2523 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201958680 |
|---|---|
| Date | Nov 18, 2019 |
| Instrument | 2019-58680 |
| Name | BERKSHIRE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 229 Months |
| Due | Dec 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FULTON NY |
| Property Address | 22 E MONTGOMERY ST, JOHNSTOWN, NY 12095-2523 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201958679 |
|---|---|
| Date | Nov 18, 2019 |
| Instrument | 2019-58679 |
| Name | BERKSHIRE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 49 Months |
| Due | Dec 1, 2023 |
The 2026 property tax bill for 22 E Montgomery St was $3,059, 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 | $3,059.00 (-31.49%) | ||
| 2025 | $4,465.00 | $97,000 Land $7,500 Building $89,500 | $156,452 Land $12,097 Building $144,355 |
| 2023 | $97,000 Land $7,500 Building $89,500 | $129,333 Land $10,000 Building $119,333 |
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 22 E Montgomery 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 22 E Montgomery 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.
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 391 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 Fixed Wireless | 100 / 20 |
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