Niagara County and Cambria Town property record for 4725 Saunders Settlement Rd, Lockport, NY 14094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,081 sqft · built 1974 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $72,500 (Oct 2023) |
| Tax Bill | $3,898 (2026) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 292000 121.00-1-13 |
| Primary APN | 292000 121.00-1-13 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,081 sqft Living Area |
| 1st Floor Area | 1,081 sqft |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 43,560 sqft (1 acres) |
| Lot Dimensions | 417 ft deep x 105 ft wide |
| Garage Type | Attached |
| Garage Area | 464 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 210 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 4725 SAUNDERS SETTLEMENT RD |
|---|---|
| City | LOCKPORT |
| State | NY |
| Zip | 14094-9631 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR |
| Legal Description | 26 14 77 |
| Legal Block | 1 |
| Legal Lot Number | 13.000 |
| Jurisdiction | NIAGARA NY |
| Township / Civil Division | CAMBRIA |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 24303 |
4725 Saunders Settlement Rd is owned and occupied by two individuals who bought it in October 2023.
Source: Niagara County and Cambria Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4725 SAUNDERS SETTLEMENT RD, LOCKPORT, NY 14094-9631 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 23, 2023 · Amount on File |
| Deed Sale | Oct 23, 2023 · Amount on File |
| Deed Document Number | 202316397 |
| Prior Transfer Date | Sep 17, 2007 |
| Prior Transfer Doc | 3413000118 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NIAGARA NY |
| Recording Date | Oct 23, 2023 |
| Property Address | 4725 SAUNDERS SETTLEMENT RD, LOCKPORT, NY 14094-9631 |
| Document Number | 0000006397 |
| Instrument Date | Oct 5, 2023 |
| Instrument | 2023-16397 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $290.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5538 MUSCAT RD, HOPE MILLS, NC 28348-8665 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4725 SAUNDERS SETTLEMENT RD, LOCKPORT, NY 14094-9631 |
| Document Number | 0000006398 |
|---|---|
| Date | Oct 23, 2023 |
| Instrument | 2023-16398 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
The 2026 property tax bill for 4725 Saunders Settlement Rd was $3,898, up 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 | $3,898.00 (+4.98%) | ||
| 2025 | $3,713.00 | $176,000 Land $30,000 Building $146,000 | $176,000 Land $30,000 Building $146,000 |
| 2023 | $152,000 (+102.94%) Land $30,000 Building $122,000 | $152,000 (+42.06%) Land $30,000 Building $122,000 | |
| 2022 | $74,900 Land $23,000 Building $51,900 | $107,000 Land $32,857 Building $74,143 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4725 Saunders Settlement Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims 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 | 2 (2021–2026) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Aug 2026 · rainfall accumulation |
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 4725 Saunders Settlement 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 95% of the US · lower than 94% 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 25 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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