Niagara County and Cambria Town property record for 4494 Upper Mountain Rd, Lockport, NY 14094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,503 sqft · built 2001 |
| Lot Size | 3.33 acres (145,055 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $17,500 (Dec 1994) |
| Tax Bill | $8,935 (2026) |
| Deeds & Mortgages | Jan 2017 Mortgage Jul 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 292000 107.00-1-50.2 |
| Primary APN | 292000 107.00-1-50.2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,503 sqft Living Area |
| 1st Floor Area | 1,503 sqft |
| Basement Area | 1,503 sqft |
| Finished Basement | 1,503 sqft |
| Unfinished Basement | 1,503 sqft |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 145,055 sqft (3.33 acres) |
| Lot Dimensions | 920 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 834 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 4494 UPPER MOUNTAIN RD |
|---|---|
| City | LOCKPORT |
| State | NY |
| Zip | 14094-9608 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR |
| Legal Description | 35 14 7 |
| Legal Block | 1 |
| Legal Lot Number | 50.002 |
| Jurisdiction | NIAGARA NY |
| Township / Civil Division | CAMBRIA |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 24303 |
4494 Upper Mountain Rd is owned and occupied by two individuals who bought it in December 1994.
Source: Niagara County and Cambria Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4494 UPPER MOUNTAIN RD, LOCKPORT, NY 14094-9608 |
| 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 |
|---|---|
| Jan 27, 2017 | Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK |
| Jul 8, 2021 | Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 28, 1994 · Amount on File |
| Deed Sale | Dec 28, 1994 · Amount on File |
| Deed Book / Page | 2557 / 298 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NIAGARA NY |
| Property Address | 4494 UPPER MOUNTAIN RD, LOCKPORT, NY 14094-9608 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000002346 |
|---|---|
| Date | Jan 27, 2017 |
| Instrument | 2017-02346 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Address | WARREN, PA 16365 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NIAGARA NY |
| Property Address | 4494 UPPER MOUNTAIN RD, LOCKPORT, NY 14094-9608 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4494 UPPER MOUNTAIN RD, LOCKPORT, NY 14094-9608 |
| Document Number | 0000003951 |
|---|---|
| Date | Jul 8, 2021 |
| Instrument | 2021-13951 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Address | WARREN, PA 16365 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jun 30, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 4494 Upper Mountain Rd was $8,935 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 | $8,935.00 (+5.11%) Homeowner's exemption | ||
| 2025 | $8,501.00 | $417,000 Land $41,700 Building $375,300 | $417,000 Land $41,700 Building $375,300 |
| 2023 | $361,200 Land $41,700 Building $319,500 | $361,200 Land $41,700 Building $319,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4494 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 4494 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 98% of the US · lower than 97.9% 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 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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