4523 Lower River Rd, Lewiston, NY 14092 Property Records

Niagara County and Lewiston Town property record for 4523 Lower River Rd, Lewiston, NY 14092

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,030 sqft · built 1951
Lot Size	1.7 acres (74,052 sqft)
Owner	Individual Name on File
Last Sale	$485,000 (Nov 2017)
Tax Bill	$12,234 (2026)
Deeds & Mortgages	Aug 2022 Line of Credit Jul 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`292489 87.10-2-1`

Property Details

APN / Parcel Number

Primary APN	`292489 87.10-2-1`
Alternative APN	`24890870100002001000`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,030 sqft Living Area
1st Floor Area	1,844 sqft
2nd Floor Area	1,010 sqft
Upper Floors Area	176 sqft
Attic	Attic
Attic Area	176 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 2018
Architectural Style	Contemporary
Exterior Material	Wood
Lot Area	74,052 sqft (1.7 acres)
Lot Dimensions	362 ft deep x 200 ft wide
Garage Type	Mixed
Garage Area	888 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	506 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4523 LOWER RIVER RD
City	LEWISTON
State	NY
Zip	14092-1061
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OUTSIDE 310007-08
Legal Block	2
Legal Lot Number	1.000
Jurisdiction	NIAGARA NY
Township / Civil Division	LEWISTON
Census Block Group	3
Census Block	3016
Census Tract	24405

Owner

4523 Lower River Rd is owned and occupied by an individual who bought it in November 2017.

Source: Niagara County and Lewiston Town records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	4523 LOWER RIVER RD, LEWISTON, NY 14092-1061
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2022	Deed of Trust, Mortgage · Line of Credit SAINT JOSEPHS CANTON PARISH FCU
Jul 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Sep 15, 2021	Deed of Trust, Mortgage · Line of Credit ST JOSEPHS BUFFALO FEDERAL CREDIT UNIO
Jul 19, 2019	Deed of Trust, Mortgage · Line of Credit ST JOSEPHS BUFFALO FCU
Nov 29, 2017	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 29, 2017 · Amount on File
Deed Sale	Nov 29, 2017 · Amount on File
Prior Sale	Oct 31, 2000 · Amount on File
Deed Document Number	201723513
Prior Transfer Date	Apr 22, 2002
Prior Transfer Doc	3194000339
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NIAGARA NY
Property Address	4523 LOWER RIVER RD, LEWISTON, NY 14092-1061
Transaction Type	Mortgage
Record Updated	Sep 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4523 LOWER RIVER RD, LEWISTON, NY 14092-1061

Mortgage

Document Number	0000006373
Date	Aug 19, 2022
Instrument	2022-16373

Lender

Name	SAINT JOSEPHS CANTON PARISH FCU
Type	Credit Union
Address	BUFFALO, NY 14223

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 25, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NIAGARA NY
Property Address	4523 LOWER RIVER RD, LEWISTON, NY 14092-1061
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 FAUBEL ST, SARASOTA, FL 34242-1114

Mortgage

Document Number	0000003871
Date	Jul 18, 2022
Instrument	2022-13871

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NIAGARA NY
Property Address	4523 LOWER RIVER RD, LEWISTON, NY 14092-1061
Transaction Type	Mortgage
Record Updated	Sep 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4523 LOWER RIVER RD, LEWISTON, NY 14092-1061

Mortgage

Document Number	0000009295
Date	Sep 15, 2021
Instrument	2021-19295

Lender

Name	ST JOSEPHS BUFFALO FEDERAL CREDIT UNIO
Type	Non-Lending Institution
Address	BUFFALO, NY 14223

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 25, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NIAGARA NY
Property Address	4523 LOWER RIVER RD, LEWISTON, NY 14092-1061
Document Number	0000011755
Instrument Date	Jul 19, 2019
Transaction Type	Mortgage
Record Updated	Aug 2, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4523 LOWER RIVER RD LEWISTON NY 140921061, LEWISTON, NY 14092-1061

Mortgage

Document Number	0000011755
Date	Jul 25, 2019
Instrument	11755

Lender

Name	ST JOSEPHS BUFFALO FCU
Type	Credit Union
Address	BUFFALO, NY 14223

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jul 24, 2039

Interest

Rate Type	Adjustable Rate

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NIAGARA NY
Recording Date	Nov 29, 2017
Property Address	4523 LOWER RIVER RD, LEWISTON, NY 14092-1061
Document Number	0000023513
Instrument Date	Nov 24, 2017
Instrument	23513
Transaction Type	Transfer
Record Updated	Dec 12, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,940.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19670 NW 27TH AVE MIAMI GARDENS FL 330562522, MIAMI GARDENS, FL 33056-2522

Mortgage

Document Number	23514
Date	Nov 29, 2017
Instrument	23514

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 28, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 4523 Lower River Rd was $12,234, up 2.8% from the year before.

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
2026	$12,234.00 (+2.85%)
2025	$11,895.00	$270,000 Land $57,300 Building $212,700	$675,000 Land $143,250 Building $531,750
2023		$270,000 Land $57,300 Building $212,700	$586,957 Land $124,565 Building $462,392

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

Flood

FEMA maps place 4523 Lower River Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 4523 Lower River 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.

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 16 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 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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