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4775 Carter Dr, Lockport, NY 14094 Property Records

Niagara County and Cambria Town property record for 4775 Carter Dr, Lockport, NY 14094

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,895 sqft · built 1994
Lot Size0.54 acres (23,522 sqft)
Owner2 Individual Names on Record
Last Sale$245,000 (Jul 2015)
Tax Bill$9,264 (2026)
Deeds & MortgagesFeb 2026 Line of Credit
Mar 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN292000 93.03-1-47

Property Details

APN / Parcel Number

Primary APN292000 93.03-1-47
Alternative APN
  • 20000930030001047000

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,895 sqft Living Area
1st Floor Area2,270 sqft
Basement Area625 sqft
Finished Basement625 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1994
Effective Year BuiltEffective 1994
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Lot Area23,522 sqft (0.54 acres)
Lot Dimensions200 ft deep x 117 ft wide
Garage TypeAttached
Garage Area672 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area1,128 sqft
Shed1 Shed

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerSeptic
Water SourceCommercial

Location & Zoning

Street Address4775 CARTER DR
CityLOCKPORT
StateNY
Zip14094-8810
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAR
Legal Description29 14 7 SUB LOT #40
Legal SubdivisionMAP OF BADGER
Legal Block1
Legal Lot Number47.000
JurisdictionNIAGARA NY
Township / Civil DivisionCAMBRIA
Census Block Group2
Census Block2015
Census Tract24303

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 Record2 Individual Names on Record
Mailing Address4775 CARTER DR, LOCKPORT, NY 14094-8810
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 12, 2026Deed of Trust, Mortgage · Line of Credit
MANUFACTURERS TRADERS TRUST CO
Mar 11, 2021Deed of Trust, Mortgage · Conventional Mortgage
M & T BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 31, 2015 · Amount on Record
Deed SaleJul 31, 2015 · Amount on Record
Prior SaleMay 29, 2014 · Amount on Record
Deed Book / Page2015 / 12693
Record UpdatedOct 29, 2026

February 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionNIAGARA NY
Property Address4775 CARTER DR, LOCKPORT, NY 14094-8810
Transaction TypeMortgage
Record UpdatedMar 3, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address4775 CARTER DR, LOCKPORT, NY 14094-8810

Mortgage

Document Number0000002245
DateFeb 12, 2026
Instrument2026-02245
Lender
NameMANUFACTURERS TRADERS TRUST CO
TypeBank
AddressBUFFALO, NY 14240
Agreement
TypeLine of Credit
AmountAmount Recorded
Term359 Months
DueJan 24, 2056
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionNIAGARA NY
Property Address4775 CARTER DR, LOCKPORT, NY 14094-8810
Transaction TypeMortgage
Record UpdatedJun 3, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address4775 CARTER DR, LOCKPORT, NY 14094-8810

Mortgage

Document Number0000005049
DateMar 11, 2021
Instrument2021-05049
Lender
NameM & T BANK
TypeBank
AddressBUFFALO, NY 14203
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term177 Months
DueDec 1, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew York
CountyNiagara County
County SubdivisionCambria Town
Unified School DistrictStarpoint Central School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$9,264.00 (+9.66%)
2025$8,448.00$438,000 (+14.99%) Land $25,100 Building $412,900$438,000 (+14.99%) Land $25,100 Building $412,900
2023$380,900 Land $25,100 Building $355,800$380,900 Land $25,100 Building $355,800

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 in force
Nearby Flood Claims1 (2021)
Claims Outside the SFHA1 of 1
Most Recent ClaimJul 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 RiskLow
lower than 93% of the US · lower than 89% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 SystemCAMBRIA WATER DISTRICT
serves 5,839 people · EPA ID NY3100557
Water SourcePurchased surface water from NIAGARA COUNTY WATER DISTRICT
Last State InspectionDec 2022
Lead2 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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 49 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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