228 E Main St, Johnstown, NY 12095 Property Records

Fulton County and Johnstown City property record for 228 E Main St, Johnstown, NY 12095

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,776 sqft · built 1890
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,222 (2025)
Deeds & Mortgages	Sep 2020 Refinance
APN	`170800 175.5-5-10`

Property Details

APN / Parcel Number

Primary APN	`170800 175.5-5-10`
Alternative APN	`080017500500050100000000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,776 sqft Living Area
1st Floor Area	888 sqft
2nd Floor Area	888 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1965
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	165 ft deep x 61 ft wide
Porch	Slab
Porch Area	206 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	228 E MAIN ST
City	JOHNSTOWN
State	NY
Zip	12095-2618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Block	5
Legal Lot Number	10.000
Jurisdiction	FULTON NY
Township / Civil Division	JOHNSTOWN
Census Block Group	2
Census Block	2013
Census Tract	971200

Owner

Source: Fulton County and Johnstown City records · APN 170800 175.5-5-10

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	228 E MAIN ST, JOHNSTOWN, NY 12095-2618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Jun 08, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FULTON NY
Property Address	228 E MAIN ST, JOHNSTOWN, NY 12095-2618
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202063028
Date	Sep 17, 2020
Instrument	2020-63028

Lender

Name	SUNMARK FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Oct 01, 2030

Tax Assessment & Valuation

Source: Fulton County and Johnstown City records · Assessment roll updated April 17, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	New York
County	Fulton County
Municipality	Johnstown City
Unified School District	Johnstown City School District (PK - 12)

Tax Bill & Assessment History

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	$3,222.00	$70,000 (-) Land $17,300 Building $52,700	$112,903 (+20.97%) Land $27,903 Building $85,000
2023		$70,000 Land $17,300 Building $52,700	$93,333 Land $23,067 Building $70,266

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360359712002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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	Remnants Of Tropical Storm Lee, Sep 2011 · 4 claims Severe Storms And Flooding, Jun 2006 · 6 claims

Wildfire

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

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.

Internet Providers

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system NY1700019, 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

Violations Reported to EPA

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.