Niagara County and Cambria Town property record for 4272 Lower Mountain Rd, Lockport, NY 14094
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,388 sqft · built 1852 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,344 (2026) |
| Deeds & Mortgages | Aug 2026 Line of Credit Oct 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 292000 106.00-2-50 |
| Primary APN | 292000 106.00-2-50 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,388 sqft Living Area |
| 1st Floor Area | 1,194 sqft |
| 2nd Floor Area | 1,194 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1852 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 130,680 sqft (3 acres) |
| Lot Dimensions | 331 ft deep x 396 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 450 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 4272 LOWER MOUNTAIN RD |
|---|---|
| City | LOCKPORT |
| State | NY |
| Zip | 14094-9741 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ED |
| Legal Block | 2 |
| Legal Lot Number | 50.000 |
| Jurisdiction | NIAGARA NY |
| Township / Civil Division | CAMBRIA |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 24303 |
4272 Lower 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 | 4272 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9741 |
| 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 |
|---|---|
| Aug 20, 2026 | Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK |
| Oct 17, 2017 | Warranty Deed, Transfer · Conventional Mortgage USAA |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NIAGARA NY |
| Recording Date | Aug 20, 2026 |
| Property Address | 4272 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9741 |
| Document Number | 0000012592 |
| Instrument Date | Aug 8, 2026 |
| Instrument | 202612592 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4272 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9741 |
| Document Number | 0000012592, |
|---|---|
| Date | Aug 20, 2026 |
| Instrument | 202612592 |
| Name | NORTHWEST BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Aug 12, 2051 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NIAGARA NY |
| Recording Date | Oct 17, 2017 |
| Property Address | 4272 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9741 |
| Document Number | 0000020542 |
| Instrument Date | Oct 16, 2017 |
| Instrument | 20542 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2017 |
| Title Company | CASCADE SETTLEMENT AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $880.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4272 LOWER MOUNTAIN RD LOCKPORT NY 140949741, LOCKPORT, NY 14094-9741 |
| Document Number | 20543 |
|---|---|
| Date | Oct 17, 2017 |
| Instrument | 20543 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 16, 2032 |
The 2026 property tax bill for 4272 Lower Mountain Rd was $7,344, up 0.4% 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 | $7,344.00 (+0.42%) | ||
| 2025 | $7,313.00 | $345,000 Land $80,000 Building $265,000 | $345,000 Land $80,000 Building $265,000 |
| 2023 | $328,400 Land $80,000 Building $248,400 | $328,400 Land $80,000 Building $248,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4272 Lower Mountain Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 | 1 (2021) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2021 · river or lake flooding |
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 4272 Lower Mountain Rd is low, with 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 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 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.
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 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Starlink Satellite | 280 / 30 |
5G (outdoors only) and 4G LTE
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