Fulton County and Johnstown City property record for 404 Prospect St, Johnstown, NY 12095
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,685 sqft · built 1930 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $236,750 (Aug 2026) |
| Tax Bill | $4,415 (2026) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Aug 2022 Sale & Mortgage |
| APN | 170800 175.5-10-3 |
| Primary APN | 170800 175.5-10-3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,685 sqft Living Area |
| 1st Floor Area | 710 sqft |
| 2nd Floor Area | 650 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Dimensions | 110 ft deep x 50 ft wide |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Porch | Porch |
| Porch Area | 104 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 404 PROSPECT ST |
|---|---|
| City | JOHNSTOWN |
| State | NY |
| Zip | 12095-3110 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Block | 10 |
| Legal Lot Number | 3.000 |
| Jurisdiction | FULTON NY |
| Township / Civil Division | JOHNSTOWN |
| Census Block Group | 2 |
| Census Block | 2015 |
| 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 SMITH ST, JOHNSTOWN, NY 12095-2107 |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Aug 25, 2026 | Warranty Deed, Transfer · Stand-Alone First Mortgage SIDNEY FEDERAL CREDIT UNION |
| Aug 4, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage HERITAGE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 25, 2026 · Amount on Record |
| Deed Sale | Aug 25, 2026 · Amount on Record |
| Prior Sale | Aug 4, 2022 · Amount on Record |
| Deed Document Number | 20262026-98309 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FULTON NY |
| Recording Date | Aug 25, 2026 |
| Property Address | 404 PROSPECT ST, JOHNSTOWN, NY 12095-3110 |
| Document Number | 0000098309 |
| Instrument Date | Aug 17, 2026 |
| Instrument | 202698309 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 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 |
|---|---|
| Address | 4 SMITH ST, JOHNSTOWN, NY 12095-2107 |
| Date | Aug 25, 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 | Sep 1, 2041 |
| Index | 5-Year CMT |
| Margin | 3 |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FULTON NY |
| Recording Date | Aug 4, 2022 |
| Property Address | 404 PROSPECT ST, JOHNSTOWN, NY 12095-3110 |
| Document Number | 0202276186 |
| Instrument Date | Jul 25, 2022 |
| Instrument | 2022-76186 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2022 |
| 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 | 2215 COMMERCIAL DR, WAUPACA, WI 54981-7800 |
| Document Number | 0202276187 |
|---|---|
| Date | Aug 4, 2022 |
| Instrument | 2022-76187 |
| Name | HERITAGE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $4,415.00 (-31.49%) | ||
| 2025 | $6,444.00 | $140,000 (-) Land $9,800 Building $130,200 | $225,806 (+20.97%) Land $15,806 Building $210,000 |
| 2023 | $140,000 Land $9,800 Building $130,200 | $186,667 Land $13,067 Building $173,600 |
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 |
|---|---|
| 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 |
|
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 210 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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