Niagara County and Lockport City property record for 31 Spruce St, Lockport, NY 14094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,020 sqft · built 1920 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $155,000 (Dec 2019) |
| Tax Bill | $4,939 (2026) |
| Deeds & Mortgages | Dec 2019 Sale & Mortgage Nov 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 7-6910.000 |
| Primary APN | 7-6910.000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,020 sqft Living Area |
| 1st Floor Area | 1,180 sqft |
| 2nd Floor Area | 840 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 153 ft deep x 49.5 ft wide |
| Garage Type | Detached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 328 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 7-6910.000 |
|---|---|
| Street Address | 31 SPRUCE ST |
| City | LOCKPORT |
| State | NY |
| Zip | 14094-4921 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Subdivision | HOLLAND LAND COMPANYS SURVEY |
| Legal Block | 4 |
| Legal Lot Number | 55.000 |
| Jurisdiction | NIAGARA NY |
| Township / Civil Division | LOCKPORT |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 23901 |
31 Spruce St is owned and occupied by two individuals who bought it in December 2019.
Source: Niagara County and Lockport City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 31 SPRUCE ST, LOCKPORT, NY 14094-4921 |
| 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 16, 2019 | Warranty Deed, Transfer · Conventional with PMI M&T BK |
| Nov 20, 2018 | Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 16, 2019 · Amount on File |
| Deed Sale | Dec 16, 2019 · Amount on File |
| Prior Sale | Nov 20, 2018 · Amount on File |
| Deed Document Number | 201921264 |
| Prior Transfer Date | Aug 3, 2006 |
| Prior Transfer Doc | 3367000582 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NIAGARA NY |
| Recording Date | Dec 16, 2019 |
| Property Address | 31 SPRUCE ST, LOCKPORT, NY 14094-4921 |
| Document Number | 0000021264 |
| Instrument Date | Dec 13, 2019 |
| Instrument | 21264 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2019 |
| Title Company | AMERICAN LAND TITLE ASSOCIATION, AMERICAN LAND TITLE ASSN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $620.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4701 SOUTHWESTERN BLVD #S7 HAMBURG NY 140751880, S7, HAMBURG, NY 14075-1880 |
| Document Number | 21265 |
|---|---|
| Date | Dec 16, 2019 |
| Instrument | 21265 |
| Name | M&T BK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 15, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NIAGARA NY |
| Recording Date | Nov 20, 2018 |
| Property Address | 31 SPRUCE ST, LOCKPORT, NY 14094-4921 |
| Document Number | 0000020481 |
| Instrument Date | Nov 19, 2018 |
| Instrument | 20481 |
| Transaction Type | Transfer |
| Record Updated | Dec 5, 2018 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $594.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1281 COUNTY ROUTE 27 OSWEGATCHIE NY 136703132, OSWEGATCHIE, NY 13670-3132 |
| Document Number | 20482 |
|---|---|
| Date | Nov 20, 2018 |
| Instrument | 20482 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 19, 2048 |
The 2026 property tax bill for 31 Spruce St was $4,939, up 2.7% from the year before.
Source: Niagara County and Lockport City assessment roll, as of April 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Niagara County |
| Municipality | Lockport City |
| Unified School District | Lockport City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,939.00 (+2.66%) | ||
| 2025 | $4,811.00 | $186,000 Land $5,400 Building $180,600 | $186,000 Land $5,400 Building $180,600 |
| 2023 | $169,000 Land $5,400 Building $163,600 | $169,000 Land $5,400 Building $163,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 31 Spruce St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 6, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 31 Spruce 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 | LOCKPORT CITY WTP serves 21,165 people · EPA ID NY3100564 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2024 |
| Lead | 10 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 463 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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