Niagara County and Cambria Town property record for 4530 Lower Mountain Rd, Lockport, NY 14094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,818 sqft · built 1989 |
| Lot Size | 9.2 acres (400,752 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $10,833 (2026) |
| Deeds & Mortgages | Mar 2026 Mortgage Nov 2025 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 292000 93.00-1-25.1 |
| Primary APN | 292000 93.00-1-25.1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,818 sqft Living Area |
| 1st Floor Area | 1,816 sqft |
| Upper Floors Area | 1,002 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 400,752 sqft (9.2 acres) |
| Lot Width | 234 ft Width |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 528 sqft |
| Pole Barn | Pole Barn |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 4530 LOWER MOUNTAIN RD |
|---|---|
| City | LOCKPORT |
| State | NY |
| Zip | 14094-9736 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR |
| Legal Description | 37 14 7 |
| Legal Subdivision | THE HOLLAND LAND COMPANYS SURVEY |
| Legal Block | 1 |
| Legal Lot Number | 25.001 |
| Jurisdiction | NIAGARA NY |
| Township / Civil Division | CAMBRIA |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 24303 |
Source: Niagara County and Cambria Town 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 | 4530 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9736 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 16, 2026 | Deed of Trust, Mortgage · Loan Assumption ROCKET MORTGAGE LLC |
| Nov 4, 2025 | Deed of Trust, Mortgage · Line of Credit NIAGARAS CHOICE CU |
| Sep 17, 2025 | Intrafamily Transfer, Transfer |
| Nov 3, 2021 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC |
| Aug 22, 2017 | Grant Deed, Transfer · VA Mortgage NAVY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jun 2, 2025 |
| Transfer Doc | 0000003879 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NIAGARA NY |
| Property Address | 4530 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9736 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4530 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9736 |
| Document Number | 0000003785 |
|---|---|
| Date | Mar 16, 2026 |
| Instrument | 2026-03785 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Loan Assumption |
|---|---|
| Amount | Amount Recorded |
| Term | 304 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NIAGARA NY |
| Property Address | 4530 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9736 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4530 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9736 |
| Document Number | 0000006902 |
|---|---|
| Date | Nov 4, 2025 |
| Instrument | 2025-16902 |
| Name | NIAGARAS CHOICE CU |
|---|---|
| Type | Credit Union |
| Address | NIAGARA FALLS, NY 14303 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 3, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | NIAGARA NY |
| Recording Date | Sep 17, 2025 |
| Property Address | 4530 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9736 |
| Document Number | 0000003879 |
| Instrument Date | Jun 2, 2025 |
| Instrument | 2025-13879 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4530 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9736 |
| Name | Verified Name |
|---|---|
| Address | 4530 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9736 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NIAGARA NY |
| Property Address | 4530 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9736 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 4530 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9736 |
| Document Number | 0000003379 |
|---|---|
| Date | Nov 3, 2021 |
| Instrument | 2021-23379 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Jul 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | NIAGARA NY |
| Recording Date | Aug 22, 2017 |
| Property Address | 4530 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9736 |
| Document Number | 0000016497 |
| Instrument Date | Aug 21, 2017 |
| Instrument | 16497 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4530 LOWER MOUNTAIN RD LOCKPORT NY 140949736, LOCKPORT, NY 14094-9736 |
| Document Number | 16498 |
|---|---|
| Date | Aug 22, 2017 |
| Instrument | 16498 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 21, 2047 |
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 | $10,833.00 (+2.5%) Disabled Person's exemption Veteran's exemption | ||
| 2025 | $10,569.00 | $561,000 (+1%) Land $64,600 Building $496,400 | $561,000 (+1%) Land $64,600 Building $496,400 |
| 2024 | $510,000 (+4.94%) Land $64,600 Building $445,400 | $510,000 (+4.94%) Land $64,600 Building $445,400 | |
| 2023 | $486,000 Land $64,600 Building $421,400 | $486,000 Land $64,600 Building $421,400 |
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 · 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 | 1 (2021) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2021 · river or lake flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 89% 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 16 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
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