4986 Cloverleaf Ln, Lockport, NY 14094 Property Records

Niagara County and Pendleton Town property record for 4986 Cloverleaf Ln, Lockport, NY 14094

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,728 sqft · built 2017
Lot Size	0.57 acres (24,829 sqft)
Owner	2 Individual Names on File
Tax Bill	$11,827 (2026)
Deeds & Mortgages	Aug 2019 Line of Credit Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`293200 150.04-2-91`

Property Details

APN / Parcel Number

Primary APN	`293200 150.04-2-91`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,728 sqft Living Area
1st Floor Area	1,448 sqft
2nd Floor Area	1,280 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	24,829 sqft (0.57 acres)

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	545 sqft
Porch	Slab
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4986 CLOVERLEAF LN
City	LOCKPORT
State	NY
Zip	14094-9681
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2 RESI
Legal Block	2
Legal Lot Number	91.000
Jurisdiction	NIAGARA NY
Township / Civil Division	PENDLETON
Census Block Group	2
Census Block	2003
Census Tract	22702

Owner

4986 Cloverleaf Ln is owned and occupied by two individuals.

Source: Niagara County and Pendleton Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4986 CLOVERLEAF LN, LOCKPORT, NY 14094-9681
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
Aug 22, 2019	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TR
Sep 27, 2017	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage NVR MTG FIN

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NIAGARA NY
Property Address	4986 CLOVERLEAF LN, LOCKPORT, NY 14094-9681
Document Number	0000014336
Instrument Date	Aug 22, 2019
Transaction Type	Mortgage
Record Updated	Sep 12, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4986 CLOVERLEAF LN LOCKPORT NY 140949681, LOCKPORT, NY 14094-9681

Mortgage

Document Number	0000014336
Date	Sep 3, 2019
Instrument	14336

Lender

Name	MANUFACTURERS & TRADERS TR
Address	BUFFALO, NY 14240

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 2, 2049

Interest

Rate Type	Adjustable Rate

September 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	NIAGARA NY
Recording Date	Sep 27, 2017
Property Address	4986 CLOVERLEAF LN, LOCKPORT, NY 14094-9681
Document Number	0000019118
Instrument Date	Sep 27, 2017
Instrument	19118
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 23, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,485.72
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	121 BURKE DR BUFFALO NY 142151307, BUFFALO, NY 14215-1307

Mortgage

Document Number	19119
Date	Sep 27, 2017
Instrument	19119

Lender

Name	NVR MTG FIN
Type	Mortgage Company
Address	CANONSBURG, PA 15317

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 26, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 4986 Cloverleaf Ln was $11,827, up 3.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,827.00 (+3.92%)
2025	$11,381.00	$293,400 Land $55,000 Building $238,400	$586,800 Land $110,000 Building $476,800
2023		$287,000 Land $55,000 Building $232,000	$541,500 Land $103,772 Building $437,728

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

Flood

FEMA maps place 4986 Cloverleaf Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

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 (1978)
Most Recent Claim	Mar 1978 · tidal / storm surge

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 4986 Cloverleaf Ln 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 94% of the US · lower than 93% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct 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 System	PENDLETON TOWN WD serves 6,050 people · EPA ID NY3100574
Water Source	Purchased surface water from NIAGARA COUNTY WATER DISTRICT
Last State Inspection	Dec 2023
Lead	6 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	2 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 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Verizon.

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