3822 Lower Mountain Rd, Lockport, NY 14094 Property Records

Niagara County and Cambria Town property record for 3822 Lower Mountain Rd, Lockport, NY 14094

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,194 sqft · built 1850
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$237,500 (Jan 2020)
Tax Bill	$8,127 (2026)
Deeds & Mortgages	May 2023 Sale Jan 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`292000 106.00-1-12.22`

Property Details

APN / Parcel Number

Primary APN	`292000 106.00-1-12.22`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,194 sqft Living Area
1st Floor Area	1,345 sqft
2nd Floor Area	849 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1950
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	300 ft deep x 150 ft wide
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	3822 LOWER MOUNTAIN RD
City	LOCKPORT
State	NY
Zip	14094-9739
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Subdivision	HOLLAND LAND COMPANYS SURVEY
Legal Block	1
Legal Lot Number	12.022
Jurisdiction	NIAGARA NY
Township / Civil Division	CAMBRIA
Census Block Group	1
Census Block	1021
Census Tract	24303

Owner

3822 Lower Mountain Rd is owned and occupied by an individual who bought it in January 2020.

Source: Niagara County and Cambria Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	3822 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9739
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.

Deeds, Mortgages & Sale History

Date	Document
May 5, 2023	Bargain and Sale Deed, Transfer NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC
Jan 3, 2020	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Jan 5, 2018	Grant Deed, Transfer NOT AVAILABLE
Oct 6, 2017	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2020 · Amount on File
Deed Sale	Jan 3, 2020 · Amount on File
Deed Document Number	2020121
Prior Transfer Date	Nov 2, 2004
Prior Transfer Doc	0000009933
Record Updated	Oct 29, 2026

May 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	NIAGARA NY
Recording Date	May 5, 2023
Property Address	3822 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9739
Document Number	0000006591
Instrument Date	Apr 21, 2023
Instrument	2023-06591
Transaction Type	Transfer
Record Updated	May 17, 2023
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3822 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9739

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3822 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9739

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NIAGARA NY
Recording Date	Jan 3, 2020
Property Address	3822 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9739
Document Number	0000000121
Instrument Date	Dec 6, 2019
Instrument	121
Transaction Type	Transfer
Record Updated	Jan 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$950.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	161 SOUTHGATE RD CHEEKTOWAGA NY 142151857, CHEEKTOWAGA, NY 14215-1857

Mortgage

Document Number	122
Date	Jan 3, 2020
Instrument	122

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 2, 2050

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NIAGARA NY
Recording Date	Jan 5, 2018
Property Address	3822 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9739
Document Number	0000000313
Instrument Date	Jan 5, 2018
Instrument	313
Transaction Type	Transfer
Record Updated	Mar 11, 2020
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	164 VINE ST LOCKPORT NY 140943035, LOCKPORT, NY 14094-3035

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NIAGARA NY
Recording Date	Oct 6, 2017
Property Address	3822 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9739
Document Number	0000019922
Instrument Date	Oct 5, 2017
Instrument	19922
Transaction Type	Transfer
Record Updated	Mar 11, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$600.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6140 SUN BOULEVARD TOWNHOUSE #3 ST PETERSBURG FL 33715, 3, ST PETERSBURG, FL 33715

Tax Assessment & Valuation

The 2026 property tax bill for 3822 Lower Mountain Rd was $8,127 with a veteran's exemption, up 4.1% from the year before.

Source: Niagara County and Cambria Town assessment roll, as of April 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Niagara County
County Subdivision	Cambria Town
Unified School District	Starpoint Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,127.00 (+4.06%) Veteran's exemption
2025	$7,810.00	$396,000 Land $30,000 Building $366,000	$396,000 Land $30,000 Building $366,000
2023		$342,600 Land $30,000 Building $312,600	$342,600 Land $30,000 Building $312,600

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

Flood

FEMA maps place 3822 Lower Mountain Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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.

Wildfire

Wildfire risk around 3822 Lower Mountain Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 94% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct 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 System	CAMBRIA WATER DISTRICT serves 5,839 people · EPA ID NY3100557
Water Source	Purchased surface water from NIAGARA COUNTY WATER DISTRICT
Last State Inspection	Dec 2022
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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