49 Independence Dr, Lockport, NY 14094 Property Records

Niagara County and Lockport City property record for 49 Independence Dr, Lockport, NY 14094

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,946 sqft · built 1989
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (Apr 2019)
Tax Bill	$8,684 (2026)
Deeds & Mortgages	Jan 2024 Line of Credit Apr 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4-3202.000`

Property Details

APN / Parcel Number

Primary APN	`4-3202.000`
Alternative APNs	`09001230080003041000` `290900 123.08-3-41`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,946 sqft Living Area
1st Floor Area	1,006 sqft
2nd Floor Area	940 sqft
Upper Floors Area	165 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	140 ft deep x 72 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Vinyl Pool
Porch	Slab
Porch Area	350 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	4-3202.000
Street Address	49 INDEPENDENCE DR
City	LOCKPORT
State	NY
Zip	14094-5205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 163
Legal Subdivision	BRIARWOOD ESTATES PART VI
Legal Block	3
Legal Lot Number	41.000
Jurisdiction	NIAGARA NY
Township / Civil Division	LOCKPORT
Census Block Group	3
Census Block	3013
Census Tract	23902

Owner

49 Independence Dr is owned and occupied by an individual who bought it in April 2019.

Source: Niagara County and Lockport City records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	49 INDEPENDENCE DR, LOCKPORT, NY 14094-5205
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2024	Deed of Trust, Mortgage · Line of Credit CORNERSTONE COMMUNITY FCU
Apr 5, 2019	Warranty Deed, Transfer · Conventional Mortgage MANUFACTURERS & TRADERS TRUST CO
Sep 27, 2017	Deed of Trust, Mortgage · Line of Credit NORTHWEST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2019 · Amount on File
Deed Sale	Apr 5, 2019 · Amount on File
Prior Sale	Dec 9, 2002 · Amount on File
Deed Document Number	20195090
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NIAGARA NY
Property Address	49 INDEPENDENCE DR, LOCKPORT, NY 14094-5205
Transaction Type	Mortgage
Record Updated	Jan 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 INDEPENDENCE DR, LOCKPORT, NY 14094-5205

Mortgage

Document Number	0000000982
Date	Jan 18, 2024
Instrument	2024-00982

Lender

Name	CORNERSTONE COMMUNITY FCU
Type	Credit Union
Address	LOCKPORT, NY 14095

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jan 17, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NIAGARA NY
Recording Date	Apr 5, 2019
Property Address	49 INDEPENDENCE DR, LOCKPORT, NY 14094-5205
Document Number	0000005090
Map Reference	MB 47 PG 4584
Instrument Date	Apr 4, 2019
Instrument	2019-05090
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4991 HOLLENBECK RD, 4991, LOCKPORT, NY 14094-3511

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 INDEPENDENCE DR, LOCKPORT, NY 14094-5205

Mortgage

Document Number	0000005091
Date	Apr 5, 2019
Instrument	2019-05091

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NIAGARA NY
Property Address	49 INDEPENDENCE DR, LOCKPORT, NY 14094-5205
Document Number	0000020747
Instrument Date	Sep 27, 2017
Transaction Type	Mortgage
Record Updated	Nov 8, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 INDEPENDENCE DR LOCKPORT NY 140945205, LOCKPORT, NY 14094-5205

Mortgage

Document Number	0000020747
Date	Oct 20, 2017
Instrument	20747

Lender

Name	NORTHWEST BK
Type	Bank
Address	WARREN, PA 16365

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 19, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 49 Independence Dr was $8,684, up 4.4% from the year before.

Source: Niagara County and Lockport City assessment roll, as of April 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Niagara County
Municipality	Lockport City
Unified School District	Lockport City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,684.00 (+4.41%)
2025	$8,317.00	$327,000 Land $19,500 Building $307,500	$327,000 Land $19,500 Building $307,500
2023		$300,000 Land $19,500 Building $280,500	$300,000 Land $19,500 Building $280,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 49 Independence Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.

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	4 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2025 · 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

Wildfire risk around 49 Independence Dr 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 98% of the US · lower than 97.9% 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	LOCKPORT CITY WTP serves 21,165 people · EPA ID NY3100564
Water Source	Surface water
Last State Inspection	May 2024
Lead	10 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 519 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: GoNetspeed, Verizon.

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