Niagara County and Cambria Town property record for 3952 Upper Mountain Rd, Sanborn, NY 14132
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,021 sqft · built 2003 |
| Lot Size | 1.08 acres (47,045 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $9,666 (2026) |
| Deeds & Mortgages | Feb 2026 Line of Credit Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 292000 106.00-1-30.5 |
| Primary APN | 292000 106.00-1-30.5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,021 sqft Living Area |
| 1st Floor Area | 1,373 sqft |
| 2nd Floor Area | 648 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Contemporary |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 47,045 sqft (1.08 acres) |
| Lot Dimensions | 367 ft deep x 128 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 792 sqft |
| Patio Area | 96 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 3952 UPPER MOUNTAIN RD |
|---|---|
| City | SANBORN |
| State | NY |
| Zip | 14132-9119 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR |
| Legal Description | 3 14 8 |
| Legal Subdivision | THE HOLLAND LAND COMPANYS SURVEY |
| Legal Block | 1 |
| Legal Lot Number | 30.005 |
| Jurisdiction | NIAGARA NY |
| Township / Civil Division | CAMBRIA |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 24303 |
3952 Upper Mountain Rd is owned and occupied by two individuals.
Source: Niagara County and Cambria Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3952 UPPER MOUNTAIN RD, SANBORN, NY 14132-9119 |
| 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 |
|---|---|
| Feb 3, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Oct 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NIAGARA NY |
| Property Address | 3952 UPPER MOUNTAIN RD, SANBORN, NY 14132-9119 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2026 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 3952 UPPER MOUNTAIN RD, SANBORN, NY 14132-9119 |
| Document Number | 0000001708 |
|---|---|
| Date | Feb 3, 2026 |
| Instrument | 2026-01708 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | JOHNSTON, RI 02919 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 297 Months |
| Due | Nov 25, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NIAGARA NY |
| Property Address | 3952 UPPER MOUNTAIN RD, SANBORN, NY 14132-9119 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 3952 UPPER MOUNTAIN RD, SANBORN, NY 14132-9119 |
| Document Number | 0000001351 |
|---|---|
| Date | Oct 12, 2021 |
| Instrument | 2021-21351 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
The 2026 property tax bill for 3952 Upper Mountain Rd was $9,666 with a homeowner's exemption, up 5.1% from the year before.
Source: Niagara County and Cambria Town assessment roll, as of April 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Niagara County |
| County Subdivision | Cambria Town |
| Unified School District | Starpoint Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,666.00 (+5.05%) Homeowner's exemption | ||
| 2025 | $9,201.00 | $452,000 Land $30,400 Building $421,600 | $452,000 Land $30,400 Building $421,600 |
| 2023 | $391,900 Land $30,400 Building $361,500 | $391,900 Land $30,400 Building $361,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3952 Upper Mountain Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2021.
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 |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 2 (2021–2026) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Aug 2026 · rainfall accumulation |
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 risk around 3952 Upper 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 | None beyond 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Verizon.
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