Niagara County and Cambria Town property record for 5270 Subbera Rd, Lockport, NY 14094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,634 sqft · built 2005 |
| Lot Size | 0.48 acres (20,909 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $7,409 (2026) |
| Deeds & Mortgages | Jun 2026 Mortgage Feb 2024 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 292000 120.07-1-49 |
| Primary APN | 292000 120.07-1-49 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,634 sqft Living Area |
| 1st Floor Area | 1,634 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 20,909 sqft (0.48 acres) |
| Lot Dimensions | 191 ft deep x 110 ft wide |
| Garage Type | Attached |
| Garage Area | 540 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 264 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 5270 SUBBERA RD |
|---|---|
| City | LOCKPORT |
| State | NY |
| Zip | 14094-9636 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR |
| Legal Description | SUB LOT 105 CHESTERFIELD HEIGHTS |
| Legal Block | 1 |
| Legal Lot Number | 49.000 |
| Jurisdiction | NIAGARA NY |
| Township / Civil Division | CAMBRIA |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 24303 |
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 | 5270 SUBBERA RD, LOCKPORT, NY 14094-9636 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 5, 2026 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
| Feb 7, 2024 | Deed of Trust, Mortgage · Line of Credit CORNERSTONE COMMUNITY FCU |
| Jul 31, 2017 | Warranty Deed, Transfer · FHA Mortgage FLAGSTAR BK |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Sep 9, 2005 |
| Transfer Doc | 3330000567 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NIAGARA NY |
| Recording Date | Jun 5, 2026 |
| Property Address | 5270 SUBBERA RD, LOCKPORT, NY 14094-9636 |
| Document Number | 0000008277 |
| Instrument Date | Apr 7, 2026 |
| Instrument | 20268277 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Address | 5270 SUBBERA RD, LOCKPORT, NY 14094-9636 |
| Document Number | 0000008277, |
|---|---|
| Date | Jun 5, 2026 |
| Instrument | 20268277 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 254 Months |
| Due | Aug 1, 2047 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NIAGARA NY |
| Property Address | 5270 SUBBERA RD, LOCKPORT, NY 14094-9636 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2024 |
| Name | Verified Name |
|---|---|
| Address | 5270 SUBBERA RD, LOCKPORT, NY 14094-9636 |
| Document Number | 0000002031 |
|---|---|
| Date | Feb 7, 2024 |
| Instrument | 2024-02031 |
| Name | CORNERSTONE COMMUNITY FCU |
|---|---|
| Type | Credit Union |
| Address | LOCKPORT, NY 14095 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Feb 6, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NIAGARA NY |
| Recording Date | Jul 31, 2017 |
| Property Address | 5270 SUBBERA RD, LOCKPORT, NY 14094-9636 |
| Document Number | 0000014904 |
| Instrument Date | Jul 18, 2017 |
| Instrument | 14904 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2017 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $840.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5453 COMSTOCK RD LOCKPORT NY 140949613, LOCKPORT, NY 14094-9613 |
| Document Number | 14905 |
|---|---|
| Date | Jul 31, 2017 |
| Instrument | 14905 |
| Name | FLAGSTAR BK |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098-2639 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 30, 2047 |
Source: Niagara County and Cambria Town assessment roll, as of April 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Niagara County |
| County Subdivision | Cambria Town |
| Unified School District | Starpoint Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,409.00 (+4.97%) | ||
| 2025 | $7,058.00 | $344,000 (+15.36%) Land $24,100 Building $319,900 | $344,000 (+15.36%) Land $24,100 Building $319,900 |
| 2023 | $298,200 Land $24,100 Building $274,100 | $298,200 Land $24,100 Building $274,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 (2021–2026) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Aug 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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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