Niagara County and Cambria Town property record for 4278 Upper Mountain Rd, Sanborn, NY 14132
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,940 sqft · built 1984 |
| Lot Size | 0.8 acres (34,848 sqft) |
| Owner | Individual Name on File |
| Last Sale | $57,000 (Jan 2021) |
| Tax Bill | $10,794 (2026) |
| Deeds & Mortgages | Apr 2022 Construction Loan Jan 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 292000 120.07-1-34 |
| Primary APN | 292000 120.07-1-34 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 2,940 sqft Living Area |
| 1st Floor Area | 1,291 sqft |
| 2nd Floor Area | 1,649 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 34,848 sqft (0.8 acres) |
| Lot Dimensions | 167 ft deep x 208 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Above-Ground Pool |
|---|---|
| Porch | Slab |
| Porch Area | 652 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 4278 UPPER MOUNTAIN RD |
|---|---|
| City | SANBORN |
| State | NY |
| Zip | 14132-9413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR |
| Legal Description | 43 14 7 SUBLOT #33 |
| Legal Subdivision | KENNEDY SUBDIVISION |
| Legal Block | 1 |
| Legal Lot Number | 34.000 |
| Jurisdiction | NIAGARA NY |
| Township / Civil Division | CAMBRIA |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 24303 |
4278 Upper Mountain Rd is owned and occupied by an individual who bought it in January 2021.
Source: Niagara County and Cambria Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4278 UPPER MOUNTAIN RD, SANBORN, NY 14132-9413 |
| 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 |
|---|---|
| Apr 28, 2022 | Deed of Trust, Mortgage · Construction Mortgage LOCKPORT SCHOOLS FCU |
| Jan 19, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC |
| Jan 15, 2021 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 15, 2021 · Amount on File |
| Deed Sale | Jan 15, 2021 · Amount on File |
| Prior Sale | Jul 6, 2007 · Amount on File |
| Deed Document Number | 2021902 |
| Prior Transfer Date | Dec 14, 2020 |
| Prior Transfer Doc | 0000000902 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NIAGARA NY |
| Property Address | 4278 UPPER MOUNTAIN RD, SANBORN, NY 14132-9413 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4278 UPPER MOUNTAIN RD, SANBORN, NY 14132-9413 |
| Document Number | 0000008092 |
|---|---|
| Date | Apr 28, 2022 |
| Instrument | 2022-08092 |
| Name | LOCKPORT SCHOOLS FCU |
|---|---|
| Type | Credit Union |
| Address | LOCKPORT, NY 14094 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NIAGARA NY |
| Property Address | 4278 UPPER MOUNTAIN RD, SANBORN, NY 14132-9413 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 4278 UPPER MOUNTAIN RD, SANBORN, NY 14132-9413 |
| Document Number | 0000001042 |
|---|---|
| Date | Jan 19, 2021 |
| Instrument | 2021-01042 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NIAGARA NY |
| Recording Date | Jan 15, 2021 |
| Property Address | 4278 UPPER MOUNTAIN RD, SANBORN, NY 14132-9413 |
| Document Number | 0000000902 |
| Instrument Date | Dec 14, 2020 |
| Instrument | 902 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2021 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4278 UPPER MOUNTAIN RD SANBORN NY 141329413, SANBORN, NY 14132-9413 |
The 2026 property tax bill for 4278 Upper Mountain Rd was $10,794 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 | $10,794.00 (+5.08%) Homeowner's exemption | ||
| 2025 | $10,272.00 | $506,000 Land $28,600 Building $477,400 | $506,000 Land $28,600 Building $477,400 |
| 2023 | $438,000 Land $28,600 Building $409,400 | $438,000 Land $28,600 Building $409,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4278 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 4278 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 | 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 82 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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