4541 Lower Mountain Rd, Lockport, NY 14094 Property Records

Niagara County and Cambria Town property record for 4541 Lower Mountain Rd, Lockport, NY 14094

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,261 sqft · built 1835
Lot Size	3.5 acres (152,460 sqft)
Owner	2 Individual Names on Record
Last Sale	$148,400 (Feb 2017)
Tax Bill	$7,117 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Feb 2017 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`292000 93.00-1-35.11`

Property Details

APN / Parcel Number

Primary APN	`292000 93.00-1-35.11`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,261 sqft Living Area
1st Floor Area	1,636 sqft
Attic	Attic
Attic Area	165 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1835
Effective Year Built	Effective 1835
Architectural Style	Traditional
Exterior Material	Stone
Lot Area	152,460 sqft (3.5 acres)
Lot Dimensions	517 ft deep x 329 ft wide
Garage Type	Detached
Garage Area	609 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	4541 LOWER MOUNTAIN RD
City	LOCKPORT
State	NY
Zip	14094-9736
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Subdivision	HOLLAND LAND COMPANYS SURVEY
Legal Block	1
Legal Lot Number	35.011
Jurisdiction	NIAGARA NY
Township / Civil Division	CAMBRIA
Census Block Group	2
Census Block	2025
Census Tract	24303

Owner

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	2 Individual Names on Record
Mailing Address	4541 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9736
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Feb 7, 2017	Affidavit of Death, Transfer
Feb 8, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 7, 2017	Warranty Deed, Transfer · VA Mortgage HOMESTEAD FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 7, 2017 · Amount on Record
Deed Sale	Feb 7, 2017 · Amount on Record
Deed Document Number	20172930
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NIAGARA NY
Property Address	4541 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9736
Transaction Type	Mortgage
Record Updated	Nov 5, 2021
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4541 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9736

Mortgage

Document Number	0000002571
Date	Oct 26, 2021
Instrument	2021-22571

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

February 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	NIAGARA NY
Recording Date	Feb 7, 2017
Property Address	4541 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9736
Document Number	0000002929
Instrument Date	Feb 6, 2017
Instrument	2929
Transaction Type	Transfer
Record Updated	Feb 21, 2019

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4541 LOWER MOUNTAIN RD LOCKPORT NY 140949736, LOCKPORT, NY 14094-9736

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NIAGARA NY
Recording Date	Feb 8, 2017
Property Address	4541 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9736
Document Number	0000003046
Instrument Date	Feb 6, 2017
Instrument	3046
Transaction Type	Transfer
Record Updated	Feb 21, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4529 LOWER MOUNTAIN RD LOCKPORT NY 140949736, LOCKPORT, NY 14094-9736

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NIAGARA NY
Recording Date	Feb 7, 2017
Property Address	4541 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9736
Document Number	0000002930
Instrument Date	Feb 6, 2016
Instrument	2017-02930
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$594.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5636 TONAWANDA CREEK RD, LOCKPORT, NY 14094-9541

Mortgage

Document Number	0000002931
Date	Feb 7, 2017
Instrument	2017-02931

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company
Address	ALBANY, NY 12205

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

Source: Niagara County and Cambria Town assessment roll, as of April 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Niagara County
County Subdivision	Cambria Town
Unified School District	Starpoint Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,117.00 (+9.78%)
2025	$6,483.00	$334,000 (+15.17%) Land $42,500 Building $291,500	$334,000 (+15.17%) Land $42,500 Building $291,500
2023		$290,000 Land $42,500 Building $247,500	$290,000 Land $42,500 Building $247,500

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

Flood

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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