Niagara County and Lockport City property record for 45 Morrow Ave, Lockport, NY 14094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,344 sqft · built 1908 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $245,000 (Dec 2025) |
| Tax Bill | $4,123 (2026) |
| Deeds & Mortgages | Sep 2025 Second Mortgage Dec 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5-4512.000 |
| Primary APN | 5-4512.000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,344 sqft Living Area |
| 1st Floor Area | 672 sqft |
| 2nd Floor Area | 672 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1908 |
|---|---|
| Effective Year Built | Effective 1908 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,792 sqft (0.11 acres) |
| Lot Dimensions | 112 ft deep x 43 ft wide |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 5-4512.000 |
|---|---|
| Street Address | 45 MORROW AVE |
| City | LOCKPORT |
| State | NY |
| Zip | 14094-5014 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Subdivision | HOLLAND LAND COMPANYS SURVEY |
| Legal Block | 1 |
| Legal Lot Number | 47.000 |
| Jurisdiction | NIAGARA NY |
| Township / Civil Division | LOCKPORT |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 23901 |
Source: Niagara County and Lockport City records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 141 ELMWOOD AVE, LOCKPORT, NY 14094-3932 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 29, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage LOANDEPOT.COM LLC |
| Dec 10, 2025 | Warranty Deed, Transfer · Conventional Mortgage KEY BANK NA |
| Feb 28, 2019 | Warranty Deed, Transfer · VA Mortgage USAA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 10, 2025 · Amount on Record |
| Deed Sale | Dec 10, 2025 · Amount on Record |
| Prior Sale | Feb 28, 2019 · Amount on Record |
| Deed Document Number | 202518970 |
| Prior Transfer Date | Mar 28, 2007 |
| Prior Transfer Doc | 3394000336 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NIAGARA NY |
| Property Address | 45 MORROW AVE, LOCKPORT, NY 14094-5014 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2025 |
| Name | Verified Name |
|---|---|
| Address | 45 MORROW AVE, LOCKPORT, NY 14094-5014 |
| Document Number | 0000004615 |
|---|---|
| Date | Sep 29, 2025 |
| Instrument | 2025-14615 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 1, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NIAGARA NY |
| Recording Date | Dec 10, 2025 |
| Property Address | 45 MORROW AVE, LOCKPORT, NY 14094-5014 |
| Document Number | 0000008970 |
| Map Reference | MB 11 PG 1099 |
| Instrument Date | Dec 10, 2025 |
| Instrument | 2025-18970 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $980.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 45 MORROW AVE, LOCKPORT, NY 14094-5014 |
| Name | Verified Name |
|---|---|
| Address | 141 ELMWOOD AVE, LOCKPORT, NY 14094-3932 |
| Document Number | 0000008971 |
|---|---|
| Date | Dec 10, 2025 |
| Instrument | 2025-18971 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NIAGARA NY |
| Recording Date | Feb 28, 2019 |
| Property Address | 45 MORROW AVE, LOCKPORT, NY 14094-5014 |
| Document Number | 0000003003 |
| Instrument Date | Feb 14, 2019 |
| Instrument | 3003 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2019 |
| Title Company | WEBTITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $460.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 146 ALLEN ST LOCKPORT NY 140942215, LOCKPORT, NY 14094-2215 |
| Document Number | 3004 |
|---|---|
| Date | Feb 28, 2019 |
| Instrument | 3004 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 27, 2049 |
Source: Niagara County and Lockport City assessment roll, as of April 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Niagara County |
| Municipality | Lockport City |
| Unified School District | Lockport City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,123.00 (-0.22%) Veteran's exemption | ||
| 2025 | $4,132.00 | $161,000 (+5.23%) Land $3,800 Building $157,200 | $161,000 (+5.23%) Land $3,800 Building $157,200 |
| 2024 | $153,000 (+4.79%) Land $3,800 Building $149,200 | $153,000 (+4.79%) Land $3,800 Building $149,200 | |
| 2023 | $146,000 Land $3,800 Building $142,200 | $146,000 Land $3,800 Building $142,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 463 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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