Niagara County and Cambria Town property record for 4584 Lower Mountain Rd, Lockport, NY 14094
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 3 ba · 4,152 sqft · built 1821 |
| Lot Size | 1.5 acres (65,340 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $9,773 (2026) |
| Deeds & Mortgages | Mar 2022 Mortgage Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 292000 93.00-1-22.1 |
| Primary APN | 292000 93.00-1-22.1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 4,152 sqft Total Area |
| 1st Floor Area | 1,536 sqft |
| 2nd Floor Area | 2,616 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1821 |
|---|---|
| Effective Year Built | Effective 1821 |
| Architectural Style | Traditional |
| Exterior Material | Stone |
| Lot Area | 65,340 sqft (1.5 acres) |
| Lot Width | 276 ft Width |
| Garage Area | 1,380 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
| Porch Area | 360 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 4584 LOWER MOUNTAIN RD |
|---|---|
| City | LOCKPORT |
| State | NY |
| Zip | 14094-9736 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | AR |
| Legal Description | 37 14 7 |
| Legal Subdivision | THE HOLLAND LAND COMPANY SURVEY |
| Legal Block | 1 |
| Legal Lot Number | 22.001 |
| Jurisdiction | NIAGARA NY |
| Township / Civil Division | CAMBRIA |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 24303 |
4584 Lower Mountain Rd, a duplex, is owned and occupied by two individuals who acquired it in March 2022.
Source: Niagara County and Cambria Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4584 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9736 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 1, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Oct 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 10, 1997 |
| Deed Sale | Nov 10, 1997 |
| Deed Book / Page | 2783 / 138 |
| Last Transfer Date | Mar 1, 2022 |
| Transfer Doc | 0000003740 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | NIAGARA NY |
| Recording Date | Mar 1, 2022 |
| Property Address | 4584 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9736 |
| Document Number | 0000003740 |
| Instrument Date | Mar 1, 2022 |
| Instrument | 2022-03740 |
| Transaction Type | Transfer |
| Record Updated | Apr 7, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4584 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9736 |
| Document Number | 0000003697 |
|---|---|
| Date | Mar 1, 2022 |
| Instrument | 2022-03697 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NIAGARA NY |
| Property Address | 4584 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9736 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 4584 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9736 |
| Document Number | 0000000767 |
|---|---|
| Date | Oct 5, 2021 |
| Instrument | 2021-20767 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2051 |
The 2026 property tax bill for 4584 Lower Mountain Rd was $9,773, up 4.9% from the year before.
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 | $9,773.00 (+4.94%) | ||
| 2025 | $9,313.00 | $452,000 Land $32,500 Building $419,500 | $452,000 Land $32,500 Building $419,500 |
| 2023 | $374,500 Land $32,500 Building $342,000 | $374,500 Land $32,500 Building $342,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4584 Lower Mountain Rd in Zone X, an area of minimal flood risk, within 100 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 A, within 100 ft |
| 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 risk around 4584 Lower Mountain 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 98% of the US · lower than 97.9% 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.
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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