Niagara County and Cambria Town property record for 4690 Thrall Rd, Lockport, NY 14094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,918 sqft · built 1909 |
| Lot Size | 3.3 acres (143,748 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $122,500 (Jul 1996) |
| Tax Bill | $6,993 (2026) |
| Deeds & Mortgages | May 2017 Loan Modification Feb 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 292000 107.00-1-12 |
| Primary APN | 292000 107.00-1-12 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,918 sqft Living Area |
| 1st Floor Area | 1,082 sqft |
| 2nd Floor Area | 836 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1909 |
|---|---|
| Effective Year Built | Effective 1909 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 143,748 sqft (3.3 acres) |
| Garage Type | Detached |
| Garage Area | 1,024 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 218 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 4690 THRALL RD |
|---|---|
| City | LOCKPORT |
| State | NY |
| Zip | 14094-9785 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ED |
| Legal Description | 28 14 7 |
| Legal Block | 1 |
| Legal Lot Number | 12.000 |
| Jurisdiction | NIAGARA NY |
| Township / Civil Division | CAMBRIA |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 24303 |
4690 Thrall Rd is owned and occupied by two individuals who bought it in July 1996.
Source: Niagara County and Cambria Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4690 THRALL RD, LOCKPORT, NY 14094-9785 |
| 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 |
|---|---|
| May 22, 2017 | Loan Modification, Consolidation and Extension, Mortgage · Conventional Mortgage CITIBANK |
| Feb 27, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CITIBANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 22, 1996 · Amount on File |
| Deed Sale | Jul 22, 1996 · Amount on File |
| Deed Book / Page | 2663 / 167 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | NIAGARA NY |
| Recording Date | May 22, 2017 |
| Property Address | 4690 THRALL RD, LOCKPORT, NY 14094-9785 |
| Instrument Date | Feb 27, 2017 |
| Instrument | 10233 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN |
| Name | Verified Name |
|---|---|
| Address | 4690 THRALL RD LOCKPORT NY 140949785, LOCKPORT, NY 14094-9785 |
| Document Number | 0000010233 |
|---|---|
| Date | May 22, 2017 |
| Instrument | 10233 |
| Name | CITIBANK |
|---|---|
| Type | Federal Savings Bank |
| Address | O FALLON, MO 63368-2240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 21, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NIAGARA NY |
| Property Address | 4690 THRALL RD, LOCKPORT, NY 14094-9785 |
| Document Number | 0000010232 |
| Instrument Date | Feb 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2018 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN |
| Name | Verified Name |
|---|---|
| Address | 4690 THRALL RD LOCKPORT NY 140949785, LOCKPORT, NY 14094-9785 |
| Document Number | 0000010232 |
|---|---|
| Date | May 22, 2017 |
| Instrument | 10232 |
| Name | CITIBANK |
|---|---|
| Type | Federal Savings Bank |
| Address | O FALLON, MO 63368-2240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 21, 2047 |
The 2026 property tax bill for 4690 Thrall Rd was $6,993 with a homeowner's exemption, up 0.5% 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 | $6,993.00 (+0.5%) Homeowner's exemption | ||
| 2025 | $6,958.00 | $328,000 Land $82,000 Building $246,000 | $328,000 Land $82,000 Building $246,000 |
| 2023 | $312,000 Land $82,000 Building $230,000 | $312,000 Land $82,000 Building $230,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4690 Thrall Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.
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 risk around 4690 Thrall 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 96% of the US · lower than 95% 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 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
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