5430 Ernest Rd, Lockport, NY 14094 Property Records

Niagara County and Lockport Town property record for 5430 Ernest Rd, Lockport, NY 14094

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,503 sqft · built 2006
Lot Size	0.433 acres (18,900 sqft)
Owner	Individual Name on File
Last Sale	$302,000 (Jun 2021)
Tax Bill	$7,601 (2026)
Deeds & Mortgages	Jun 2021 Sale & Mortgage May 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`292600 124.01-1-64.2`

Property Details

APN / Parcel Number

Primary APN	`292600 124.01-1-64.2`
Alternative APN	`26001240010001064002`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,503 sqft Living Area
1st Floor Area	709 sqft
2nd Floor Area	388 sqft
Upper Floors Area	406 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	18,900 sqft (0.433 acres)
Lot Dimensions	210 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	494 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5430 ERNEST RD
City	LOCKPORT
State	NY
Zip	14094-5415
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	64.002
Jurisdiction	NIAGARA NY
Township / Civil Division	LOCKPORT
Census Block Group	1
Census Block	1024
Census Tract	23402

Owner

5430 Ernest Rd is owned and occupied by an individual who bought it in June 2021.

Source: Niagara County and Lockport Town records, as of October 6, 2026

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

Owner of Record	Individual Name on File
Mailing Address	5430 ERNEST RD, LOCKPORT, NY 14094-5415
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2021	Warranty Deed, Transfer · VA Mortgage NEWREZ LLC
May 6, 2019	Deed of Trust, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2021 · Amount on File
Deed Sale	Jun 25, 2021 · Amount on File
Prior Sale	Jan 6, 2012 · Amount on File
Deed Document Number	202113082
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NIAGARA NY
Recording Date	Jun 25, 2021
Property Address	5430 ERNEST RD, LOCKPORT, NY 14094-5415
Document Number	0000003082
Instrument Date	Jun 17, 2021
Instrument	2021-13082
Transaction Type	Transfer
Record Updated	Aug 25, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,208.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5430 EMEST ROAD, 5430, LOCKPORT, NY 14094

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5913 WARD RD, SANBORN, NY 14132-9344
Investor	Possibly a Property Investor

Mortgage

Document Number	0000003083
Date	Jun 25, 2021
Instrument	2021-13083

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NIAGARA NY
Property Address	5430 ERNEST RD, LOCKPORT, NY 14094-5415
Document Number	0000010497
Instrument Date	May 6, 2019
Transaction Type	Mortgage
Record Updated	Jul 12, 2019
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5430 ERNEST RD LOCKPORT NY 140945415, LOCKPORT, NY 14094-5415

Mortgage

Document Number	0000010497
Date	Jul 3, 2019
Instrument	10497

Lender

Name	US BK
Type	Bank
Address	OSHKOSH, WI 54902

Agreement

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

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 5430 Ernest Rd was $7,601 with exemptions applied, down 0.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,601.00 (-0.74%) Disabled Person's exemption Veteran's exemption
2025	$7,658.00	$317,000 Land $14,700 Building $302,300	$317,000 Land $14,700 Building $302,300
2023		$302,000 Land $14,700 Building $287,300	$302,000 Land $14,700 Building $287,300

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

Flood

FEMA maps place 5430 Ernest Rd 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 5430 Ernest Rd 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 91% 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 TOWN WDS serves 21,105 people · EPA ID NY3100563
Water Source	Purchased surface water from NIAGARA COUNTY WATER DISTRICT
Last State Inspection	Jun 2024
Lead	1 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	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 99 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 / 35

May also be available: GoNetspeed.

Cell Coverage

5G (outdoors only) and 4G LTE

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