Fulton County and Johnstown City property record for 3 Cummings Ave, Johnstown, NY 12095
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,156 sqft · built 1920 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $94,000 (May 2026) |
| Tax Bill | $4,188 (2025) |
| Deeds & Mortgages | Dec 2006 Mortgage Jan 2008 Mortgage + 4 more |
| APN | 170800 163.9-5-14 |
| Primary APN | 170800 163.9-5-14 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,156 sqft Living Area |
| 1st Floor Area | 632 sqft |
| 2nd Floor Area | 416 sqft |
| Upper Floors Area | 108 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,098 sqft (0.14 acres) |
| Lot Dimensions | 120 ft deep x 50 ft wide |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 2,000 sqft |
| Porch | Slab |
| Porch Area | 512 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3 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 | 14.000 |
| 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 | Individual Name on File |
|---|---|
| Mailing Address | 518 N PERRY ST, JOHNSTOWN, NY 12095-1010 |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Dec 5, 2006 | Deed of Trust, Mortgage CITIZENS BANK |
| Jan 29, 2008 | Deed of Trust, Mortgage PATRIOT FEDERAL BANK |
| May 29, 2026 | Deed, Transfer · Stand-Alone First Mortgage SIDNEY FEDERAL CREDIT UNION |
| Jun 28, 2023 | Deed, Foreclosure |
| Oct 25, 2017 | Deed, Transfer · VA Mortgage E MORTGAGE |
| Oct 25, 2017 | Deed, Transfer NOT AVAILABLE, JASON BROTT |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 29, 2026 · Amount on Record |
| Deed Sale | May 29, 2026 · Amount on Record |
| Prior Sale | Jun 28, 2023 · Amount on Record |
| Deed Document Number | 202696902 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FULTON NY |
| Property Address | 3 CUMMINGS AVE, JOHNSTOWN, NY 12095-1027 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000001813/0000000190 |
|---|---|
| Date | Dec 5, 2006 |
| Book Page | 0000001813/0000000190 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FULTON NY |
| Property Address | 3 CUMMINGS AVE, JOHNSTOWN, NY 12095-1027 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000001930/0000000088 |
|---|---|
| Date | Jan 29, 2008 |
| Book Page | 0000001930/0000000088 |
| Name | PATRIOT FEDERAL BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | FULTON NY |
| Recording Date | May 29, 2026 |
| Property Address | 3 CUMMINGS AVE, JOHNSTOWN, NY 12095-1027 |
| Document Number | 0202696902 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 202696902 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Date | May 29, 2026 |
|---|
| Name | SIDNEY FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.2% |
| Initial Type | Adjustable Rate |
| Type Change Date | Jun 1, 2041 |
| Index | 5-Year CMT |
| Margin | 3 |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | FULTON NY |
| Recording Date | Jun 28, 2023 |
| Property Address | 3 CUMMINGS AVE, JOHNSTOWN, NY 12095-1027 |
| Document Number | 0202381552 |
| Instrument Date | Apr 14, 2023 |
| Instrument | 2023-81552 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 25, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3401 W END AVE # STE76, STE76, NASHVILLE, TN 37203-1042 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FULTON NY |
| Recording Date | Oct 25, 2017 |
| Property Address | 3 CUMMINGS AVE, JOHNSTOWN, NY 12095-1027 |
| Document Number | 2017/46930 |
| Book / Page | 2017 / 46930 |
| Transaction Type | Transfer |
| Record Updated | Apr 8, 2025 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 CUMMINGS AVE, JOHNSTOWN, NY 12095-1027 |
| Investor | Possibly a Property Investor |
| Document Number | 0201746931 |
|---|---|
| Date | Oct 25, 2017 |
| Instrument | 2017-46931 |
| Name | E MORTGAGE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | FULTON NY |
| Recording Date | Oct 25, 2017 |
| Property Address | 3 CUMMINGS AVE, JOHNSTOWN, NY 12095-1027 |
| Document Number | 0000002017/0000046930 |
| Book / Page | 0000002017 / 0000046930 |
| Instrument Date | Sep 12, 2017 |
| Transaction Type | Transfer |
| Record Updated | Mar 25, 2024 |
| Title Company | NOT AVAILABLE, JASON BROTT |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 CUMMINGS AVE, JOHNSTOWN, NY 12095-1027 |
| Investor | Possibly a Property Investor |
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 | $4,188.00 | $91,000 (-) Land $10,500 Building $80,500 | $146,774 (+20.97%) Land $16,935 Building $129,839 |
| 2023 | $91,000 (-) Land $10,500 Building $80,500 | $121,333 (+12%) Land $14,000 Building $107,333 | |
| 2022 | $91,000 Land $10,500 Building $80,500 | $108,333 Land $12,500 Building $95,833 |
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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