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404 S Melcher St, Johnstown, NY 12095 Property Records

Fulton County and Johnstown City property record for 404 S Melcher St, Johnstown, NY 12095

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,130 sqft · built 1930
Lot Size0.31 acres (13,504 sqft)
OwnerIndividual Name on File
Last Sale$248,500 (Oct 2024)
Tax Bill$4,176 (2026)
Deeds & MortgagesDec 2025 Mortgage
Aug 2023 Sale
APN170800 174.11-10-19

Property Details

APN / Parcel Number

Primary APN170800 174.11-10-19
Alternative APN
  • 080017401100100190000000

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,130 sqft Living Area
1st Floor Area1,065 sqft
2nd Floor Area1,065 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1930
Effective Year BuiltEffective 1965
Architectural StyleTraditional
Exterior MaterialWood
Lot Area13,504 sqft (0.31 acres)
Lot Dimensions190 ft deep x 70 ft wide
Garage TypeDetached
Garage Area400 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area437 sqft

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address404 S MELCHER ST
CityJOHNSTOWN
StateNY
Zip12095-2923
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code02 - SINGL
Legal Block10
Legal Lot Number19.000
JurisdictionFULTON NY
Township / Civil DivisionJOHNSTOWN
Census Block Group2
Census Block2009
Census Tract971300

Owner

404 S Melcher St is owned and occupied by an individual who bought it in October 2024.

Source: Fulton County and Johnstown City records, as of September 23, 2026

Owner of RecordIndividual Name on File
Mailing Address123 PLEASANT AVE, JOHNSTOWN, NY 12095-1208
OccupancyOwner Occupied
Owner TypeIndividual
VestingIndividual(s)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Dec 22, 2025Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC
Aug 16, 2023Warranty Deed, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 30, 2024 · Amount on File
Deed SaleOct 30, 2024 · Amount on File
Prior SaleNov 17, 1998 · Amount on File
Deed Document Number202488771
Prior Transfer DateAug 14, 2023
Prior Transfer Doc0202382326
Record UpdatedOct 29, 2026

December 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFULTON NY
Property Address404 S MELCHER ST, JOHNSTOWN, NY 12095-2923
Transaction TypeMortgage
Record UpdatedFeb 4, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0202594783
DateDec 22, 2025
Instrument2025-94783
Lender
NameROCKET MORTGAGE LLC
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term349 Months
DueJan 1, 2055

August 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFULTON NY
Recording DateAug 16, 2023
Property Address404 S MELCHER ST, JOHNSTOWN, NY 12095-2923
Document Number0202382326
Instrument DateAug 14, 2023
Instrument2023-82326
Transaction TypeTransfer
Record UpdatedSep 5, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address404 S MELCHER ST, JOHNSTOWN, NY 12095-2923

Tax Assessment & Valuation

The 2026 property tax bill for 404 S Melcher St was $4,176 with exemptions applied, down 23.2% from the year before.

Source: Fulton County and Johnstown City assessment roll, as of April 17, 2026

Property Jurisdictions

TypeName
StateNew York
CountyFulton County
MunicipalityJohnstown City
Unified School DistrictJohnstown City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$4,176.00 (-23.19%) Disabled Person's exemption Veteran's exemption
2025$5,437.00$152,000 Land $20,600 Building $131,400$245,161 Land $33,226 Building $211,935
2023$152,000 (-) Land $20,600 Building $131,400$202,667 (+12%) Land $27,467 Building $175,200
2022Homeowner's exemption Senior Citizen's exemption$152,000 Land $20,600 Building $131,400$180,952 Land $24,524 Building $156,428

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 404 S Melcher St.

Source: FEMA National Flood Hazard Layer

FEMA Flood ZoneNot on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 404 S Melcher 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 RiskLow
lower than 80% of the US · above 54% of New York
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemJOHNSTOWN (C) WATER WORKS
serves 8,154 people · EPA ID NY1700019
Water SourceSurface water
Last State InspectionNov 2024
Lead3 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityHaloacetic acids
resolved · Jul 2019
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 380 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Starlink
Satellite		280 / 30

May also be available: Verizon.

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