4581 E Lake Rd, Wilson, NY 14172 Property Records

Niagara County and Wilson Town property record for 4581 E Lake Rd, Wilson, NY 14172

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 1,981 sqft · built 2019
Lot Size	2.6 acres (113,256 sqft)
Owner	Individual Name on Record
Last Sale	$43,000 (May 2016)
Tax Bill	$11,686 (2026)
Deeds & Mortgages	May 2018 Mortgage Mar 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`294289 13.13-1-12`

Property Details

APN / Parcel Number

Primary APN	`294289 13.13-1-12`
Alternative APN	`42890130130001012000`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,981 sqft Living Area
1st Floor Area	1,981 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	113,256 sqft (2.6 acres)
Lot Dimensions	891 ft deep x 122 ft wide
View / Lot	Waterfront
Garage Type	Mixed
Garage Area	1,386 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	374 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4581 E LAKE RD
City	WILSON
State	NY
Zip	14172
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	12.000
Jurisdiction	NIAGARA NY
Township / Civil Division	WILSON
Census Block Group	1
Census Block	1006
Census Tract	24302

Owner

Source: Niagara County and Wilson 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	4581 E LAKE RD, WILSON, NY 14172
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2018	Deed of Trust, Mortgage · Conventional Mortgage ST JOSEPHS BUFFALO FCU
Mar 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage ST JOSEPHS BUFFALO FEDERAL CREDIT UNION
Oct 15, 2019	Deed of Trust, Mortgage · Line of Credit ST JOSEPHS BUFFALO FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2016 · Amount on Record
Deed Sale	May 27, 2016 · Amount on Record
Prior Sale	May 27, 2016 · Amount on Record
Deed Document Number	20169160
Prior Transfer Date	May 18, 2016
Prior Transfer Doc	0000009159
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NIAGARA NY
Property Address	4581 E LAKE RD, WILSON, NY 14172
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007184
Date	May 2, 2018
Instrument	2018-07184

Lender

Name	ST JOSEPHS BUFFALO FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 25, 2038

Interest

Rate Type	Fixed Rate

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NIAGARA NY
Property Address	4581 E LAKE RD, WILSON, NY 14172
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004125
Date	Mar 20, 2019
Instrument	2019-04125

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 13, 2039

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NIAGARA NY
Property Address	4581 E LAKE RD, WILSON, NY 14172
Document Number	0000017329
Instrument Date	Oct 15, 2019
Transaction Type	Mortgage
Record Updated	Oct 28, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4581 E LAKE RD WILSON NY 14172, WILSON, NY 14172

Mortgage

Document Number	0000017329
Date	Oct 17, 2019
Instrument	17329

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 16, 2039

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,686.00 (+3.11%)
2025	$11,334.00	$252,800 (-) Land $57,800 Building $195,000	$561,800 (+20.02%) Land $128,450 Building $433,350
2023		$252,800 Land $57,800 Building $195,000	$468,100 Land $107,026 Building $361,074

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2017 · 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 96% of the US · lower than 95% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WILSON TOWN WATER DISTRICT serves 5,993 people · EPA ID NY3100587
Water Source	Purchased surface water from NIAGARA COUNTY WATER DISTRICT
Last State Inspection	Dec 2023
Lead	Under 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 38 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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