Fulton County and Johnstown City property record for 4 Cady St, Johnstown, NY 12095
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,112 sqft · built 1910 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $100,000 (Jul 2021) |
| Tax Bill | $2,208 (2026) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage Oct 2019 Refinance |
| APN | 170800 174.12-5-3 |
| Primary APN | 170800 174.12-5-3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,112 sqft Living Area |
| 1st Floor Area | 628 sqft |
| 2nd Floor Area | 484 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 3,049 sqft (0.07 acres) |
| Lot Dimensions | 108 ft deep x 28.3 ft wide |
| Porch | Slab |
| Porch Area | 144 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 4 CADY ST |
|---|---|
| City | JOHNSTOWN |
| State | NY |
| Zip | 12095-2530 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Block | 5 |
| Legal Lot Number | 3.000 |
| Jurisdiction | FULTON NY |
| Township / Civil Division | JOHNSTOWN |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 971200 |
Source: Fulton County and Johnstown City records, as of September 23, 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 Record |
|---|---|
| Mailing Address | 4 CADY ST, JOHNSTOWN, NY 12095-2530 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 30, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK |
| Oct 31, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance FIRST CHOICE FINANCIAL FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 30, 2021 · Amount on Record |
| Deed Sale | Jul 30, 2021 · Amount on Record |
| Deed Document Number | 202168847 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FULTON NY |
| Recording Date | Jul 30, 2021 |
| Property Address | 4 CADY ST, JOHNSTOWN, NY 12095-2530 |
| Document Number | 202168847 |
| Instrument Date | Jun 16, 2021 |
| Instrument | 2021-68847 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8 WELLS ST, JOHNSTOWN, NY 12095-2005 |
| Document Number | 202168848 |
|---|---|
| Date | Jul 30, 2021 |
| Instrument | 2021-68848 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FULTON NY |
| Property Address | 4 CADY ST, JOHNSTOWN, NY 12095-2530 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201958416 |
|---|---|
| Date | Oct 31, 2019 |
| Instrument | 2019-58416 |
| Name | FIRST CHOICE FINANCIAL FCU |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 169 Months |
| Due | Nov 1, 2033 |
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 | $2,208.00 (-31.47%) | ||
| 2025 | $3,222.00 | $70,000 (-) Land $4,500 Building $65,500 | $112,903 (+20.97%) Land $7,258 Building $105,645 |
| 2023 | $70,000 Land $4,500 Building $65,500 | $93,333 Land $6,000 Building $87,333 |
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 | 4 in force |
| Nearby Flood Claims | 3 (2011–2022) |
| Most Recent Claim | Apr 2022 · rainfall accumulation |
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 | 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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