5098 Carriage Ln, Lockport, NY 14094 Property Records

Niagara County and Cambria Town property record for 5098 Carriage Ln, Lockport, NY 14094

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,252 sqft · built 1973
Lot Size	0.63 acres (27,443 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Jun 2006)
Tax Bill	$5,671 (2026)
Deeds & Mortgages	Jul 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`292000 107.04-1-47`

Property Details

APN / Parcel Number

Primary APN	`292000 107.04-1-47`
Alternative APN	`20001070040001047000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,252 sqft Living Area
1st Floor Area	1,012 sqft
Basement Area	240 sqft
Finished Basement	240 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Lot Area	27,443 sqft (0.63 acres)
Lot Dimensions	274 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	64 sqft
Patio Area	520 sqft
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	5098 CARRIAGE LN
City	LOCKPORT
State	NY
Zip	14094-9747
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ED
Legal Description	12 20 14 7
Legal Block	1
Legal Lot Number	47.000
Jurisdiction	NIAGARA NY
Township / Civil Division	CAMBRIA
Census Block Group	2
Census Block	2023
Census Tract	24303

Owner

5098 Carriage Ln is owned and occupied by an individual who acquired it in May 2015.

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

Owner of Record	Individual Name on File
Mailing Address	5098 CARRIAGE LN, LOCKPORT, NY 14094-9747
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2006 · Amount on File
Deed Sale	Jun 2, 2006 · Amount on File
Deed Book / Page	3360 / 513
Last Transfer Date	May 15, 2015
Transfer Doc	2015007470
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NIAGARA NY
Property Address	5098 CARRIAGE LN, LOCKPORT, NY 14094-9747
Document Number	0000012711
Instrument Date	Jul 29, 2019
Transaction Type	Mortgage
Record Updated	Aug 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5098 CARRIAGE LN LOCKPORT NY 140949747, LOCKPORT, NY 14094-9747

Mortgage

Document Number	0000012711
Date	Aug 8, 2019
Instrument	12711

Lender

Name	LAKE SHORE SVGS BK
Type	Federal Savings Bank
Address	DUNKIRK, NY 14048

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 7, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 5098 Carriage Ln was $5,671, up 0.5% from the year before.

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	$5,671.00 (+0.55%)
2025	$5,640.00	$264,000 Land $55,200 Building $208,800	$264,000 Land $55,200 Building $208,800
2023		$251,000 Land $55,200 Building $195,800	$251,000 Land $55,200 Building $195,800

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

Flood

FEMA maps place 5098 Carriage Ln 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

Wildfire risk around 5098 Carriage 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 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.

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 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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