543 Locust St, Lockport, NY 14094 Property Records

Niagara County and Lockport City property record for 543 Locust St, Lockport, NY 14094

Property Summary

Property Type	Multi-Family Dwellings
Details	16 bd · 5 ba · 14,260 sqft · built 1918
Lot Size	2.28 acres (99,317 sqft)
Owner	Individual Name on File
Last Sale	$149,000 (Aug 2016)
Tax Bill	$15,581 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Sep 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`4-4037.000`

Property Details

APN / Parcel Number

Primary APN	`4-4037.000`
Alternative APNs	`09001230100002001000` `290900 123.10-2-1`

Interior

Bedrooms	16 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	14,260 sqft Total Area
1st Floor Area	10,285 sqft
2nd Floor Area	3,975 sqft
Elevator	Elevator

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Architectural Style	Mansion
Exterior Material	Brick
Lot Area	99,317 sqft (2.28 acres)
Lot Dimensions	366 ft deep x 271 ft wide
Garage Type	Detached
Garage Area	2,014 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Shed	1 Shed
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	4-4037.000
Street Address	543 LOCUST ST
City	LOCKPORT
State	NY
Zip	14094-5602
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	R1
Legal Description	ST CLAIR MANOR
Legal Subdivision	HOLLAND LAND COMPANYS SURVEY
Legal Block	2
Legal Lot Number	1.000
Jurisdiction	NIAGARA NY
Township / Civil Division	LOCKPORT
Census Block Group	1
Census Block	1000
Census Tract	23901

Owner

543 Locust St, a residential property, is owned and occupied by an individual who bought it in August 2016.

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

Owner of Record	Individual Name on File
Mailing Address	543 LOCUST ST, LOCKPORT, NY 14094-5602
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 17, 2026	Deed of Trust, Mortgage · Line of Credit CORNERSTONE COMMUNITY FEDERAL CREDIT UNION
Sep 10, 2025	Deed of Trust, Mortgage · Line of Credit CORNERSTONE COMMUNITY FCU
Jun 16, 2022	Deed of Trust, Mortgage SUBPER MARITAL TRUST
May 20, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2016 · Amount on File
Deed Sale	Aug 12, 2016 · Amount on File
Prior Sale	Jan 21, 2016
Deed Document Number	201614256
Prior Transfer Date	Jan 20, 2016
Prior Transfer Doc	0000001081
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NIAGARA NY
Recording Date	Aug 17, 2026
Property Address	543 LOCUST ST, LOCKPORT, NY 14094-5602
Document Number	0000012359
Instrument Date	Aug 4, 2026
Instrument	202612359
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	543 LOCUST ST, LOCKPORT, NY 14094-5602

Mortgage

Document Number	0000012359,
Date	Aug 17, 2026
Instrument	202612359

Lender

Name	CORNERSTONE COMMUNITY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NIAGARA NY
Property Address	543 LOCUST ST, LOCKPORT, NY 14094-5602
Transaction Type	Mortgage
Record Updated	Oct 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	543 LOCUST ST, LOCKPORT, NY 14094-5602

Mortgage

Document Number	0000003427
Date	Sep 10, 2025
Instrument	2025-13427

Lender

Name	CORNERSTONE COMMUNITY FCU
Type	Credit Union
Address	LOCKPORT, NY 14094

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 9, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NIAGARA NY
Property Address	543 LOCUST ST, LOCKPORT, NY 14094-5602
Transaction Type	Mortgage
Record Updated	Jun 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001822
Date	Jun 16, 2022
Instrument	2022-11822

Lender

Name	SUBPER MARITAL TRUST
Type	Private Party
Address	256 PENNSYLVANIA ST, BUFFALO, NY 14201

Agreement

Amount	Amount on Record
Term	12 Months
Due	Jun 16, 2023

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NIAGARA NY
Recording Date	May 20, 2022
Property Address	543 LOCUST ST, LOCKPORT, NY 14094-5602
Document Number	0000009557
Instrument Date	May 19, 2022
Instrument	2022-09557
Transaction Type	Transfer
Record Updated	Jun 14, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3641 HARLEM RD, 3641, CHEEKTOWAGA, NY 14215-2011

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	543 LOCUST ST, LOCKPORT, NY 14094-5602

Tax Assessment & Valuation

The 2026 property tax bill for 543 Locust St was $15,581 with exemptions applied, up 6.2% 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	$15,581.00 (+6.22%) Disabled Person's exemption Veteran's exemption
2025	$14,669.00	$604,000 Land $69,000 Building $535,000	$604,000 Land $69,000 Building $535,000
2023		$575,000 Land $69,000 Building $506,000	$575,000 Land $69,000 Building $506,000

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

Flood

FEMA maps place 543 Locust St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 6, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 543 Locust St 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	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	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 331 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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