Niagara County and Cambria Town property record for 4781 Upper Mountain Rd, Lockport, NY 14094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,446 sqft · built 1959 |
| Lot Size | 0.63 acres (27,443 sqft) |
| Owner | Individual Name on File |
| Last Sale | $192,000 (Jun 2019) |
| Tax Bill | $5,361 (2026) |
| Deeds & Mortgages | Dec 2023 Sale Jan 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 292000 107.00-1-36 |
| Primary APN | 292000 107.00-1-36 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,446 sqft Living Area |
| 1st Floor Area | 1,446 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 27,443 sqft (0.63 acres) |
| Lot Dimensions | 202 ft deep x 128 ft wide |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 480 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 4781 UPPER MOUNTAIN RD |
|---|---|
| City | LOCKPORT |
| State | NY |
| Zip | 14094-9606 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR |
| Legal Description | 27 14 7 |
| Legal Subdivision | HOLLAND LAND COMPANYS SURVEY |
| Legal Block | 1 |
| Legal Lot Number | 36.000 |
| Jurisdiction | NIAGARA NY |
| Township / Civil Division | CAMBRIA |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 24303 |
4781 Upper Mountain Rd is owned and occupied by an individual who bought it in June 2019.
Source: Niagara County and Cambria Town records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4781 UPPER MOUNTAIN RD, LOCKPORT, NY 14094-9606 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 7, 2023 | Warranty Deed, Transfer |
| Jan 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 12, 2019 | Warranty Deed, Transfer · Conventional Mortgage CITIZENS BK NA |
| Jun 10, 2019 | Warranty Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 10, 2019 · Amount on File |
| Deed Sale | Jun 10, 2019 · Amount on File |
| Prior Sale | Jun 6, 2014 · Amount on File |
| Deed Document Number | 20198948 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NIAGARA NY |
| Recording Date | Dec 7, 2023 |
| Property Address | 4781 UPPER MOUNTAIN RD, LOCKPORT, NY 14094-9606 |
| Document Number | 0000008965 |
| Instrument Date | Nov 15, 2023 |
| Instrument | 2023-18965 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $600.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4948 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9709 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4781 UPPER MOUNTAIN RD, LOCKPORT, NY 14094-9606 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NIAGARA NY |
| Property Address | 4781 UPPER MOUNTAIN RD, LOCKPORT, NY 14094-9606 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4781 UPPER MOUNTAIN RD, LOCKPORT, NY 14094-9606 |
| Document Number | 0000001785 |
|---|---|
| Date | Jan 27, 2021 |
| Instrument | 2021-01785 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Feb 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NIAGARA NY |
| Recording Date | Jun 12, 2019 |
| Property Address | 4781 UPPER MOUNTAIN RD, LOCKPORT, NY 14094-9606 |
| Document Number | 0000009119 |
| Instrument Date | Jun 7, 2019 |
| Instrument | 9119 |
| Transaction Type | Transfer |
| Record Updated | Jun 24, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,180.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4781 UPPER MOUNTAIN RD LOCKPORT NY 140949606, LOCKPORT, NY 14094-9606 |
| Document Number | 9120 |
|---|---|
| Date | Jun 12, 2019 |
| Instrument | 9120 |
| Name | CITIZENS BK NA |
|---|---|
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 11, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NIAGARA NY |
| Recording Date | Jun 10, 2019 |
| Property Address | 4781 UPPER MOUNTAIN RD, LOCKPORT, NY 14094-9606 |
| Document Number | 0000008948 |
| Instrument Date | Jun 3, 2019 |
| Instrument | 2019-08948 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $768.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4781 UPPER MOUNTAIN RD, 4781, LOCKPORT, NY 14094-9606 |
| Name | Verified Name |
|---|---|
| Address | 4980 LOWER MOUNTAIN RD, LOCKPORT, NY 14094-9709 |
| Document Number | 0000008949 |
|---|---|
| Date | Jun 10, 2019 |
| Instrument | 2019-08949 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2049 |
The 2026 property tax bill for 4781 Upper Mountain Rd was $5,361, 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 | $5,361.00 (+4.87%) | ||
| 2025 | $5,112.00 | $246,000 Land $26,500 Building $219,500 | $246,000 Land $26,500 Building $219,500 |
| 2023 | $213,000 (+47.1%) Land $26,500 Building $186,500 | $213,000 (+2.95%) Land $26,500 Building $186,500 | |
| 2022 | $144,800 Land $20,600 Building $124,200 | $206,900 Land $29,435 Building $177,465 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4781 Upper Mountain 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 4781 Upper 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 97% of the US · lower than 96% 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 |
| Verizon Fixed Wireless | 300 / 20 |
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