4281 Lower River Rd, Lewiston, NY 14092 Property Records

Niagara County and Lewiston Town property record for 4281 Lower River Rd, Lewiston, NY 14092

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,232 sqft · built 1964
Lot Size	0.64 acres (27,878 sqft)
Owner	Trust Name on File
Tax Bill	$8,253 (2020)
Deeds & Mortgages	Oct 2021 Sale Jan 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`292489 73.18-1-14`

Property Details

APN / Parcel Number

Primary APN	`292489 73.18-1-14`
Alternative APN	`24890730180001014000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,232 sqft Living Area
1st Floor Area	1,104 sqft
2nd Floor Area	1,128 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1972
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Lot Area	27,878 sqft (0.64 acres)
Lot Dimensions	250 ft deep x 110 ft wide
Garage Type	Detached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	468 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4281 LOWER RIVER RD
City	LEWISTON
State	NY
Zip	14092
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OUTSIDE 210053
Legal Block	1
Legal Lot Number	14.000
Jurisdiction	NIAGARA NY
Township / Civil Division	LEWISTON
Census Block Group	3
Census Block	3014
Census Tract	24405

Owner

4281 Lower River Rd is owner-occupied and held in a trust since November 2023.

Source: Niagara County and Lewiston Town records, as of August 31, 2026

Owner of Record	Trust Name on File
Mailing Address	4281 RIVER RD, LO, YOUNGSTOWN, NY 14174-9753
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Oct 5, 2021	Warranty Deed, Transfer
Jan 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage MANUFACTURERS & TRADERS TRUST CO
Dec 12, 2018	Loan Modification, Mortgage · Line of Credit MANUFACTURERS & TRADERS TR
Jul 25, 2017	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TR
Mar 17, 2017	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 20, 2023
Transfer Doc	0000002437
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NIAGARA NY
Recording Date	Oct 5, 2021
Property Address	4281 LOWER RIVER RD, LEWISTON, NY 14092
Document Number	0000000781
Map Reference	MB 61 PG 6120
Instrument Date	Sep 1, 2021
Instrument	2021-20781
Transaction Type	Transfer
Record Updated	Feb 27, 2024

Transaction

Amount	Amount on Record
Tax	$1,220.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	335 KERR ST, LEWISTON, NY 14092-1327

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	60 EL CASO RD, QUEMADO, NM 87829-9080

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NIAGARA NY
Property Address	4281 RIVER RD, YOUNGSTOWN, NY 14174-9753
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000116
Date	Jan 3, 2019
Instrument	2019-00116

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jan 1, 2029

December 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	NIAGARA NY
Property Address	4281 RIVER RD, YOUNGSTOWN, NY 14174-9753
Document Number	0000000117
Instrument Date	Dec 12, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4281 RIVER RD YOUNGSTOWN NY 141749753, YOUNGSTOWN, NY 14174-9753

Mortgage

Document Number	0000000117
Date	Jan 3, 2019
Instrument	117

Lender

Name	MANUFACTURERS & TRADERS TR
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NIAGARA NY
Property Address	4281 RIVER RD, YOUNGSTOWN, NY 14174-9753
Document Number	0000015374
Instrument Date	Jul 25, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4281 RIVER RD YOUNGSTOWN NY 141749753, YOUNGSTOWN, NY 14174-9753

Mortgage

Document Number	0000015374
Date	Aug 7, 2017
Instrument	15374

Lender

Name	MANUFACTURERS & TRADERS TR
Address	BUFFALO, NY 14240

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 6, 2047

Interest

Rate Type	Adjustable Rate

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NIAGARA NY
Recording Date	Mar 17, 2017
Property Address	4281 RIVER RD, YOUNGSTOWN, NY 14174-9753
Document Number	0000005562
Instrument Date	Mar 17, 2017
Instrument	5562
Transaction Type	Transfer
Record Updated	Apr 18, 2017

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4281 LOWER RIVER RD LEWISTON NY 14092, LEWISTON, NY 14092

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$193,400 Land $39,900 Building $153,500	$483,500 Land $99,750 Building $383,750
2023		$193,400 Land $39,900 Building $153,500	$420,435 Land $86,739 Building $333,696
2020	$8,253.00

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

Flood

FEMA maps place 4281 Lower River Rd in Zone X, an area of minimal flood risk.

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	4 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 4281 Lower River 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 94% of the US · lower than 93% 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	LEWISTON WATER IMPROVEMENTAREA serves 16,257 people · EPA ID NY3100561
Water Source	Purchased surface water from NIAGARA COUNTY WATER DISTRICT
Last State Inspection	Jun 2024
Lead	1 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	1 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 73 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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