418 Prospect St, Lockport, NY 14094 Property Records

Niagara County and Lockport City property record for 418 Prospect St, Lockport, NY 14094

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 920 sqft · built 1920
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$138,000 (Oct 2025)
Tax Bill	$3,213 (2026)
Deeds & Mortgages	Apr 2022 Mortgage Oct 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`6-5925.000`

Property Details

APN / Parcel Number

Primary APN	`6-5925.000`
Alternative APNs	`09001090090002046000` `290900 109.09-2-46`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	920 sqft Living Area
1st Floor Area	920 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Lot Area	3,920 sqft (0.09 acres)
Lot Dimensions	90 ft deep x 42.3 ft wide
Porch	Slab
Porch Area	192 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	6-5925.000
Street Address	418 PROSPECT ST
City	LOCKPORT
State	NY
Zip	14094-2124
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	2
Legal Lot Number	46.000
Jurisdiction	NIAGARA NY
Township / Civil Division	LOCKPORT
Census Block Group	1
Census Block	1015
Census Tract	23600

Owner

418 Prospect St is owned by an individual who bought it in October 2025.

Source: Niagara County and Lockport City records, as of September 23, 2026

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

Owner of Record	Individual Name on File
Mailing Address	13 TUDOR LN, 7, LOCKPORT, NY 14094-6903
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2022	Deed of Trust, Mortgage · Stand-Alone First Mortgage HOUSING TRUST FUND CORPORATION
Oct 20, 2025	Warranty Deed, Transfer · FHA Mortgage HUNT MORTGAGE
Mar 25, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTHWAY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2025 · Amount on File
Deed Sale	Oct 20, 2025 · Amount on File
Prior Sale	Mar 25, 2022 · Amount on File
Deed Document Number	202515931
Prior Transfer Date	Feb 4, 2003
Prior Transfer Doc	3226000596
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NIAGARA NY
Property Address	418 PROSPECT ST, LOCKPORT, NY 14094-2124
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 PROSPECT ST, LOCKPORT, NY 14094-2124

Mortgage

Document Number	0000008220
Date	Apr 29, 2022
Instrument	2022-08220

Lender

Name	HOUSING TRUST FUND CORPORATION
Type	Non-Lending Institution
Address	ALBANY, NY 12207

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NIAGARA NY
Recording Date	Oct 20, 2025
Property Address	418 PROSPECT ST, LOCKPORT, NY 14094-2124
Document Number	0000005931
Map Reference	MB 19 PG 1838
Instrument Date	Sep 24, 2025
Instrument	2025-15931
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$552.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	418 PROSPECT ST, LOCKPORT, NY 14094-2124

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 PROSPECT ST, LOCKPORT, NY 14094-2124

Mortgage

Document Number	0000005932
Date	Oct 20, 2025
Instrument	2025-15932

Lender

Name	HUNT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Nov 1, 2054

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NIAGARA NY
Recording Date	Mar 25, 2022
Property Address	418 PROSPECT ST, LOCKPORT, NY 14094-2124
Document Number	0000005681
Map Reference	MB 19 PG 1838
Instrument Date	Mar 17, 2022
Instrument	2022-05681
Transaction Type	Transfer
Record Updated	Apr 19, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	418 PROSPECT ST, 418, LOCKPORT, NY 14094-2124

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	69 CROSBY AVE, LOCKPORT, NY 14094-4105

Mortgage

Document Number	0000005682
Date	Mar 25, 2022
Instrument	2022-05682

Lender

Name	NORTHWAY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 418 Prospect St was $3,213, up 3.7% from the year before.

Source: Niagara County and Lockport City assessment roll, as of April 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Niagara County
Municipality	Lockport City
Unified School District	Lockport City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,213.00 (+3.71%)
2025	$3,098.00	$121,000 (+6.14%) Land $3,200 Building $117,800	$121,000 (+6.14%) Land $3,200 Building $117,800
2024		$114,000 (+3.64%) Land $3,200 Building $110,800	$114,000 (+3.64%) Land $3,200 Building $110,800
2023		$110,000 Land $3,200 Building $106,800	$110,000 Land $3,200 Building $106,800

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

Flood

FEMA maps place 418 Prospect 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.

Wildfire

Wildfire risk around 418 Prospect St 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 99.1% of the US · lower than 99.2% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 328 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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