Niagara County and Wilson Town property record for 478 Lake St, Wilson, NY 14172
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,520 sqft · built 1890 |
| Lot Size | 0.635 acres (27,679 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $64,900 (Apr 2006) |
| Tax Bill | $4,841 (2026) |
| Deeds & Mortgages | Aug 2026 Mortgage Mar 2026 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 294201 23.14-1-2.1 |
| Primary APN | 294201 23.14-1-2.1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,520 sqft Living Area |
| 1st Floor Area | 1,136 sqft |
| 2nd Floor Area | 384 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 27,679 sqft (0.635 acres) |
| Lot Dimensions | 385 ft deep x 71.8 ft wide |
| Garage Type | Detached |
| Garage Area | 1,440 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
| Porch Area | 480 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 478 LAKE ST |
|---|---|
| City | WILSON |
| State | NY |
| Zip | 14172-9798 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-80 |
| Legal Subdivision | HOLLAND LAND COMPANYS SURVEY |
| Legal Block | 1 |
| Legal Lot Number | 2.001 |
| Jurisdiction | NIAGARA NY |
| Township / Civil Division | WILSON |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 24301 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | PO BOX 336, WILSON, NY 14172-0336 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 13, 2026 | Deed of Trust, Mortgage · Conventional Mortgage KEYBANK USA |
| Mar 17, 2026 | Deed of Trust, Mortgage · Line of Credit ESL FCU |
| Oct 19, 2021 | Deed of Trust, Mortgage · Line of Credit CORNERSTONE COMMUNITY FCU |
| Mar 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE COMMUNITY FCU |
| Oct 16, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 28, 2006 · Amount on Record |
| Deed Sale | Apr 28, 2006 · Amount on Record |
| Prior Sale | Apr 28, 2006 · Amount on Record |
| Deed Book / Page | 3357 / 126 |
| Last Transfer Date | Oct 19, 2007 |
| Transfer Doc | 3417000055 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NIAGARA NY |
| Recording Date | Aug 13, 2026 |
| Property Address | 478 LAKE ST, WILSON, NY 14172-9798 |
| Document Number | 0000012190 |
| Instrument Date | Aug 7, 2026 |
| Instrument | 202612190 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | SIMPLE TITLE, SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Address | 478 LAKE ST, WILSON, NY 14172-9798 |
| Document Number | 0000012190, |
|---|---|
| Date | Aug 13, 2026 |
| Instrument | 202612190 |
| Name | KEYBANK USA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NIAGARA NY |
| Property Address | 478 LAKE ST, WILSON, NY 14172-9798 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 478 LAKE ST, WILSON, NY 14172-9798 |
| Document Number | 0000003855 |
|---|---|
| Date | Mar 17, 2026 |
| Instrument | 2026-03855 |
| Name | ESL FCU |
|---|---|
| Type | Credit Union |
| Address | ROCHESTER, NY 14604 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NIAGARA NY |
| Property Address | 478 LAKE ST, WILSON, NY 14172-9798 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2021 |
| Name | Verified Name |
|---|---|
| Address | 478 LAKE ST, WILSON, NY 14172-9798 |
| Document Number | 0000002048 |
|---|---|
| Date | Oct 19, 2021 |
| Instrument | 2021-22048 |
| Name | CORNERSTONE COMMUNITY FCU |
|---|---|
| Type | Credit Union |
| Address | LOCKPORT, NY 14095 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NIAGARA NY |
| Property Address | 478 LAKE ST, WILSON, NY 14172-9798 |
| Transaction Type | Mortgage |
| Record Updated | Jun 3, 2021 |
| Name | Verified Name |
|---|---|
| Address | 478 LAKE ST, WILSON, NY 14172-9798 |
| Document Number | 0000005656 |
|---|---|
| Date | Mar 22, 2021 |
| Instrument | 2021-05656 |
| Name | CORNERSTONE COMMUNITY FCU |
|---|---|
| Type | Credit Union |
| Address | LOCKPORT, NY 14094 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NIAGARA NY |
| Recording Date | Oct 16, 2020 |
| Property Address | 478 LAKE ST, WILSON, NY 14172-9798 |
| Document Number | 0000016885 |
| Instrument Date | Oct 9, 2020 |
| Instrument | 16885 |
| Transaction Type | Transfer |
| Record Updated | Nov 12, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $160.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 478 LAKE ST WILSON NY 141729798, WILSON, NY 14172-9798 |
Source: Niagara County and Wilson Town assessment roll, as of April 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Niagara County |
| County Subdivision | Wilson Town |
| Municipality | Wilson Village |
| Unified School District | Wilson Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,841.00 (+5.45%) | ||
| 2025 | $4,591.00 | $84,700 (-) Land $9,000 Building $75,700 | $188,200 (+19.95%) Land $19,998 Building $168,202 |
| 2023 | $84,700 Land $9,000 Building $75,700 | $156,900 Land $16,672 Building $140,228 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 6, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 22 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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