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4862 Upper Mountain Rd, Lockport, NY 14094 Property Records

Niagara County and Cambria Town property record for 4862 Upper Mountain Rd, Lockport, NY 14094

Property Summary

Property TypeRural Home
Details4 bd · 3.5 ba · 2,016 sqft · built 2000
Lot Size14 acres (609,840 sqft)
Owner2 Individual Names on Record
Last Sale$19,000 (Jul 1997)
Tax Bill$14,828 (2026)
Deeds & MortgagesSep 2023 Line of Credit
Sep 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN292000 107.00-1-30.1

Property Details

APN / Parcel Number

Primary APN292000 107.00-1-30.1
Alternative APN
  • 20001070000001030001

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,016 sqft Living Area
1st Floor Area1,354 sqft
2nd Floor Area662 sqft
Basement Area1,000 sqft
Finished Basement1,000 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2000
Effective Year BuiltEffective 2000
Architectural StyleContemporary
Exterior MaterialAluminum/Vinyl
Lot Area609,840 sqft (14 acres)
Garage TypeAttached
Garage Area528 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Vinyl Pool
Pool HousePool House
PorchSlab
Porch Area462 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
SewerSeptic
Water SourceCommercial

Location & Zoning

Street Address4862 UPPER MOUNTAIN RD
CityLOCKPORT
StateNY
Zip14094-9632
Property CategoryResidential
Property TypeResidential > Single Family > Rural Home
Local Zoning CodeAR
Legal Description27 14 7
Legal SubdivisionTHE HOLLAND PURCHASE
Legal Block1
Legal Lot Number30.001
JurisdictionNIAGARA NY
Township / Civil DivisionCAMBRIA
Census Block Group3
Census Block3001
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 Address4862 UPPER MOUNTAIN RD, LOCKPORT, NY 14094-9632
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 20, 2023Deed of Trust, Mortgage · Line of Credit
MANUFACTURERS & TRADERS TRUST CO
Sep 22, 2022Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 16, 1997 · Amount on Record
Deed SaleJul 16, 1997 · Amount on Record
Deed Book / Page2752 / 120
Record UpdatedOct 29, 2026

September 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionNIAGARA NY
Property Address4862 UPPER MOUNTAIN RD, LOCKPORT, NY 14094-9632
Transaction TypeMortgage
Record UpdatedOct 3, 2023
Title CompanyTITLE 365, TITLE365

Transferred To (Grantee/Buyer)

NameVerified Name
Address4862 UPPER MOUNTAIN RD, LOCKPORT, NY 14094-9632

Mortgage

Document Number0000004467
DateSep 20, 2023
Instrument2023-14467
Lender
NameMANUFACTURERS & TRADERS TRUST CO
TypeBank
AddressLOCKPORT, NY 14094
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueSep 19, 2053
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

September 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionNIAGARA NY
Recording DateSep 22, 2022
Property Address4862 UPPER MOUNTAIN RD, LOCKPORT, NY 14094-9632
Document Number0000008626
Instrument DateAug 10, 2022
Instrument2022-18626
Transaction TypeTransfer
Record UpdatedOct 6, 2022
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,420.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4862 UPPER MOUNTAIN RD, 4862, LOCKPORT, NY 14094-9632

Transferred To (Grantee/Buyer)

NameVerified Name
Address85 HEATHWOOD RD, BUFFALO, NY 14221-4617

Mortgage

Document Number0000008627
DateSep 22, 2022
Instrument2022-18627
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 1, 2052

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$14,828.00 (+5.18%)
2025$14,098.00$699,000 (+15.54%) Land $79,000 Building $620,000$699,000 (+15.54%) Land $79,000 Building $620,000
2023$605,000 Land $79,000 Building $526,000$605,000 Land $79,000 Building $526,000

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
Nearest Special Flood Hazard AreaZone A, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 in force
Nearby Flood Claims2 (2021–2026)
Claims Outside the SFHA1 of 2
Most Recent ClaimAug 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 54% of New York
Wildfire Likelihood0.01% 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 1 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
T-Mobile
Fixed Wireless		25 / 3

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