55 Independence Dr, Lockport, NY 14094 Property Records

Niagara County and Lockport City property record for 55 Independence Dr, Lockport, NY 14094

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,282 sqft · built 1990
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$306,000 (Apr 2022)
Tax Bill	$8,896 (2026)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4-3203.000`

Property Details

APN / Parcel Number

Primary APN	`4-3203.000`
Alternative APNs	`09001230080003040000` `290900 123.08-3-40`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,282 sqft Living Area
1st Floor Area	1,258 sqft
2nd Floor Area	1,024 sqft
Upper Floors Area	143 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	140 ft deep x 68.1 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	430 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4-3203.000
Street Address	55 INDEPENDENCE DR
City	LOCKPORT
State	NY
Zip	14094-5205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 161
Legal Subdivision	HOLLAND LAND COMPANYS SURVEY
Legal Block	3
Legal Lot Number	40.000
Jurisdiction	NIAGARA NY
Township / Civil Division	LOCKPORT
Census Block Group	3
Census Block	3013
Census Tract	23902

Owner

55 Independence Dr is owned and occupied by two individuals who bought it in April 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	55 INDEPENDENCE DR, LOCKPORT, NY 14094-5205
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
Apr 19, 2022	Warranty Deed, Transfer · Conventional Mortgage M & T BANK
Aug 16, 2019	Grant Deed, Transfer · VA Mortgage WINTRUST MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2022 · Amount on File
Deed Sale	Apr 19, 2022 · Amount on File
Prior Sale	Aug 16, 2019 · Amount on File
Deed Document Number	20227278
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NIAGARA NY
Recording Date	Apr 19, 2022
Property Address	55 INDEPENDENCE DR, LOCKPORT, NY 14094-5205
Document Number	0000007278
Map Reference	MB 47 PG 4584
Instrument Date	Mar 30, 2022
Instrument	2022-07278
Transaction Type	Transfer
Record Updated	Apr 29, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,224.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	55 INDEPENDENCE DR, 55, LOCKPORT, NY 14094-5205

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	122 SOMERTON AVE, BUFFALO, NY 14217-1626

Mortgage

Document Number	0000007279
Date	Apr 19, 2022
Instrument	2022-07279

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NIAGARA NY
Recording Date	Aug 16, 2019
Property Address	55 INDEPENDENCE DR, LOCKPORT, NY 14094-5205
Document Number	0000013289
Instrument Date	Jul 29, 2019
Instrument	13289
Transaction Type	Transfer
Record Updated	Sep 2, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 BEATTIE AVE LOCKPORT NY 140945027, LOCKPORT, NY 14094-5027

Mortgage

Document Number	13290
Date	Aug 16, 2019
Instrument	13290

Lender

Name	WINTRUST MTG
Type	Mortgage Company
Address	ROSEMONT, IL 60018

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Aug 15, 2044

Tax Assessment & Valuation

The 2026 property tax bill for 55 Independence Dr was $8,896, up 4.6% 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	$8,896.00 (+4.57%)
2025	$8,507.00	$335,000 Land $20,400 Building $314,600	$335,000 Land $20,400 Building $314,600
2023		$312,000 Land $20,400 Building $291,600	$312,000 Land $20,400 Building $291,600

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

Flood

FEMA maps place 55 Independence Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.

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 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2025 · 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.

Wildfire

Wildfire risk around 55 Independence Dr 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	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	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 519 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 / 1,000

May also be available: GoNetspeed, Verizon.

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