4539 Lower River Rd, Lewiston, NY 14092 Property Records

Niagara County and Lewiston Town property record for 4539 Lower River Rd, Lewiston, NY 14092

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,956 sqft · built 2019
Lot Size	0.63 acres (27,443 sqft)
Owner	2 Company Names on File
Tax Bill	$14,474 (2026)
Deeds & Mortgages	Jan 2017 Mortgage Aug 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`292489 87.10-2-4`

Property Details

APN / Parcel Number

Primary APN	`292489 87.10-2-4`
Alternative APN	`24890870100002004000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,956 sqft Living Area
1st Floor Area	2,206 sqft
2nd Floor Area	750 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Lot Area	27,443 sqft (0.63 acres)
Lot Dimensions	265 ft deep x 117 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	228 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4539 LOWER RIVER RD
City	LEWISTON
State	NY
Zip	14092-1061
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	2
Legal Lot Number	4.000
Jurisdiction	NIAGARA NY
Township / Civil Division	LEWISTON
Census Block Group	3
Census Block	3016
Census Tract	24405

Owner

4539 Lower River Rd is owned by a company that acquired it in February 2022.

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	2 Company Names on File
Mailing Address	4539 LOWER RIVER RD, LEWISTON, NY 14092-1061
Owner Type	Company
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage PREMIUM MORTGAGE CORP
Aug 28, 2020	Deed of Trust, Mortgage NORTHWEST BK
Jul 6, 2018	Deed of Trust, Mortgage PREMIUM MTG
Sep 29, 2017	Trustee's Deed, Construction Loan · Construction Mortgage PREMIUM MTG
Jan 5, 2017	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 16, 2022
Transfer Doc	0000018477
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NIAGARA NY
Property Address	4539 LOWER RIVER RD, LEWISTON, NY 14092-1061
Transaction Type	Mortgage
Record Updated	Apr 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000272
Date	Jan 5, 2017
Instrument	2017-00272

Lender

Name	PREMIUM MORTGAGE CORP
Type	Mortgage Company
Address	ROCHESTER, NY 14618

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NIAGARA NY
Property Address	4539 LOWER RIVER RD, LEWISTON, NY 14092-1061
Document Number	0000013814
Instrument Date	Aug 28, 2020
Transaction Type	Mortgage
Record Updated	Sep 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4539 LOWER RIVER RD LEWISTON NY 140921061, LEWISTON, NY 14092-1061

Mortgage

Document Number	0000013814
Date	Sep 2, 2020
Instrument	13814

Lender

Name	NORTHWEST BK
Type	Bank
Address	NORTH WARREN, PA 16365

Agreement

Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2040

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NIAGARA NY
Property Address	4539 LOWER RIVER RD, LEWISTON, NY 14092-1061
Document Number	0000011936
Instrument Date	Jul 6, 2018
Transaction Type	Mortgage
Record Updated	Aug 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5210 PADDOCK LN LEWISTON NY 140922035, LEWISTON, NY 14092-2035

Mortgage

Document Number	0000011936
Date	Jul 13, 2018
Instrument	11936

Lender

Name	PREMIUM MTG
Type	Mortgage Company
Address	ROCHESTER, NY 14618

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 12, 2048

September 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	NIAGARA NY
Recording Date	Sep 29, 2017
Property Address	4539 LOWER RIVER RD, LEWISTON, NY 14092-1061
Instrument Date	Sep 15, 2017
Instrument	687
Transaction Type	Construction Loan
Record Updated	Oct 17, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12668 CARMEL COUNTRY RD #58 SAN DIEGO CA 921303181, 58, SAN DIEGO, CA 92130-3181

Mortgage

Document Number	0000000687
Date	Sep 29, 2017
Instrument	687

Lender

Name	PREMIUM MTG
Type	Mortgage Company
Address	ROCHESTER, NY 14618

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate	8%

January 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	NIAGARA NY
Recording Date	Jan 5, 2017
Property Address	4539 LOWER RIVER RD, LEWISTON, NY 14092-1061
Document Number	0000000269
Instrument Date	Dec 28, 2016
Instrument	269
Transaction Type	Transfer
Record Updated	Jan 20, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4539 LOWER RIVER RD LEWISTON NY 140921061, LEWISTON, NY 14092-1061

Tax Assessment & Valuation

The 2026 property tax bill for 4539 Lower River Rd was $14,474, 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	$14,474.00 (+2.83%)
2025	$14,075.00	$320,000 Land $52,500 Building $267,500	$800,000 Land $131,250 Building $668,750
2023		$320,000 Land $52,500 Building $267,500	$695,652 Land $114,130 Building $581,522

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

Flood

FEMA maps place 4539 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 4539 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 91% 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 99 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 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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