4895 Upper Mountain Rd, Lockport, NY 14094 Property Records

Niagara County and Cambria Town property record for 4895 Upper Mountain Rd, Lockport, NY 14094

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,124 sqft · built 1940
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Nov 2020)
Tax Bill	$3,710 (2026)
Deeds & Mortgages	Jan 2021 Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`292000 107.00-2-42`

Property Details

APN / Parcel Number

Primary APN	`292000 107.00-2-42`
Alternative APN	`20001070000002042000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,124 sqft Living Area
1st Floor Area	1,124 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	202 ft deep x 107 ft wide
Porch	Slab
Porch Area	168 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	4895 UPPER MOUNTAIN RD
City	LOCKPORT
State	NY
Zip	14094-9632
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	27 14 7
Legal Block	2
Legal Lot Number	42.000
Jurisdiction	NIAGARA NY
Township / Civil Division	CAMBRIA
Census Block Group	2
Census Block	2027
Census Tract	24303

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 Record	Individual Name on Record
Mailing Address	4895 UPPER MOUNTAIN RD, LOCKPORT, NY 14094-9632
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2021	Deed of Trust, Mortgage NORTHWEST BK
Nov 12, 2020	Warranty Deed, Transfer ONTARIO SHRS FCU
Aug 30, 2018	Deed of Trust, Mortgage · Line of Credit NORTHWEST BK
Jun 23, 2017	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2020 · Amount on Record
Deed Sale	Nov 12, 2020 · Amount on Record
Prior Sale	Jun 23, 2017 · Amount on Record
Deed Document Number	202018875
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NIAGARA NY
Property Address	4895 UPPER MOUNTAIN RD, LOCKPORT, NY 14094-9632
Document Number	0000000814
Instrument Date	Jan 6, 2021
Transaction Type	Mortgage
Record Updated	Feb 2, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4895 UPPER MOUNTAIN RD LOCKPORT NY 140949632, LOCKPORT, NY 14094-9632

Mortgage

Document Number	0000000814
Date	Jan 14, 2021
Instrument	814

Lender

Name	NORTHWEST BK
Type	Bank
Address	WARREN, PA 16365

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 13, 2051

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NIAGARA NY
Recording Date	Nov 12, 2020
Property Address	4895 UPPER MOUNTAIN RD, LOCKPORT, NY 14094-9632
Document Number	0000018875
Instrument Date	Nov 10, 2020
Instrument	18875
Transaction Type	Transfer
Record Updated	Dec 14, 2020
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 GARDEN ST LOCKPORT NY 140943018, LOCKPORT, NY 14094-3018

Mortgage

Document Number	18876
Date	Nov 12, 2020
Instrument	18876

Lender

Name	ONTARIO SHRS FCU
Type	Credit Union
Address	NEWFANE, NY 14108

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 11, 2050

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NIAGARA NY
Property Address	4895 UPPER MOUNTAIN RD, LOCKPORT, NY 14094-9632
Document Number	0000016512
Instrument Date	Aug 30, 2018
Transaction Type	Mortgage
Record Updated	Oct 3, 2018
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4895 UPPER MOUNTAIN RD LOCKPORT NY 140949632, LOCKPORT, NY 14094-9632

Mortgage

Document Number	0000016512
Date	Sep 24, 2018
Instrument	16512

Lender

Name	NORTHWEST BK
Type	Bank
Address	WARREN, PA 16365

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 23, 2043

Interest

Rate Type	Adjustable Rate

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NIAGARA NY
Recording Date	Jun 23, 2017
Property Address	4895 UPPER MOUNTAIN RD, LOCKPORT, NY 14094-9632
Document Number	0000012477
Instrument Date	Jun 23, 2017
Instrument	12477
Transaction Type	Transfer
Record Updated	Jul 18, 2017

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4895 UPPER MOUNTAIN RD LOCKPORT NY 140949632, LOCKPORT, NY 14094-9632

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Niagara County
County Subdivision	Cambria Town
Unified School District	Starpoint Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,710.00 (+4.86%)
2025	$3,538.00	$167,000 (+15.17%) Land $24,500 Building $142,500	$167,000 (+15.17%) Land $24,500 Building $142,500
2023		$145,000 Land $24,500 Building $120,500	$145,000 Land $24,500 Building $120,500

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 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 93% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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