Niagara County and Niagara Falls City property record for 1028 91st St, Niagara Falls, NY 14304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,202 sqft · built 1935 |
| Lot Size | 0.116 acres (5,080 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $59,637 (Dec 1994) |
| Tax Bill | $4,627 (2026) |
| Deeds & Mortgages | Dec 2025 Mortgage Jun 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 291100 161.47-2-52 |
| Primary APN | 291100 161.47-2-52 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,202 sqft Living Area |
| 1st Floor Area | 572 sqft |
| 2nd Floor Area | 630 sqft |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1935 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,080 sqft (0.116 acres) |
| Lot Dimensions | 127 ft deep x 40 ft wide |
| Garage Type | Detached |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 66 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 15/2374. |
|---|---|
| Street Address | 1028 91ST ST |
| City | NIAGARA FALLS |
| State | NY |
| Zip | 14304-2816 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1-C |
| Legal Description | TM 475 BL A LT N PT 50 S PT 49 |
| Legal Block | 2 |
| Legal Lot Number | 52.000 |
| Jurisdiction | NIAGARA NY |
| Township / Civil Division | NIAGARA FALLS |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 22401 |
1028 91st St is owned and occupied by two individuals who bought it in December 1994.
Source: Niagara County and Niagara Falls City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1028 91ST ST, NIAGARA FALLS, NY 14304-2816 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 15, 2025 | Deed of Trust, Mortgage POINT DIGITAL FINANCE INC |
| Jun 4, 2019 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 20, 1994 · Amount on File |
| Deed Sale | Dec 20, 1994 · Amount on File |
| Deed Book / Page | 2556 / 193 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NIAGARA NY |
| Property Address | 1028 91ST ST, NIAGARA FALLS, NY 14304-2816 |
| Transaction Type | Mortgage |
| Record Updated | Jan 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1028 91ST ST, NIAGARA FALLS, NY 14304-2816 |
| Document Number | 0000009328 |
|---|---|
| Date | Dec 15, 2025 |
| Instrument | 2025-19328 |
| Name | POINT DIGITAL FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Address | PALO ALTO, CA 94302 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Dec 10, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NIAGARA NY |
| Property Address | 1028 91ST ST, NIAGARA FALLS, NY 14304-2816 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000008576 |
|---|---|
| Date | Jun 4, 2019 |
| Instrument | 2019-08576 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | JOHNSTON, RI 02919 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | May 22, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 1028 91st St was $4,627, up 22.7% from the year before.
Source: Niagara County and Niagara Falls City assessment roll, as of April 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Niagara County |
| Municipality | Niagara Falls City |
| Unified School District | Niagara Falls City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,627.00 (+22.73%) | ||
| 2025 | $3,770.00 | $66,600 Land $4,100 Building $62,500 | $148,000 Land $9,111 Building $138,889 |
| 2023 | $66,600 Land $4,100 Building $62,500 | $123,300 Land $7,591 Building $115,709 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1028 91st St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 6, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 1 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.
The area around 1028 91st St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | NIAGARA FALLS WATER BOARD serves 50,193 people · EPA ID NY3100568 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2024 |
| Lead | 6 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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 632 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
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