Niagara County and Lockport City property record for 55 Phelps St, Lockport, NY 14094
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,326 sqft · built 1966 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on File |
| Last Sale | $49,000 (Jan 2004) |
| Tax Bill | $4,355 (2026) |
| Deeds & Mortgages | Jul 2022 Line of Credit Sep 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 6-5510.000 |
| Primary APN | 6-5510.000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,326 sqft Living Area |
| 1st Floor Area | 884 sqft |
| Upper Floors Area | 442 sqft |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 13,068 sqft (0.3 acres) |
| Lot Dimensions | 165 ft deep x 80 ft wide |
| Garage Type | Detached |
| Garage Area | 432 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 6-5510.000 |
|---|---|
| Street Address | 55 PHELPS ST |
| City | LOCKPORT |
| State | NY |
| Zip | 14094-2019 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Subdivision | THE HOLLAND LAND COMPANYS SURVEY |
| Legal Block | 1 |
| Legal Lot Number | 49.000 |
| Jurisdiction | NIAGARA NY |
| Township / Civil Division | LOCKPORT |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 23600 |
55 Phelps St is owned and occupied by an individual who bought it in January 2004.
Source: Niagara County and Lockport City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 55 PHELPS ST, LOCKPORT, NY 14094-2019 |
| 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.
| Date | Document |
|---|---|
| Jul 15, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Sep 5, 2018 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 16, 2004 · Amount on File |
| Deed Sale | Jan 16, 2004 · Amount on File |
| Deed Book / Page | 3264 / 795 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NIAGARA NY |
| Property Address | 55 PHELPS ST, LOCKPORT, NY 14094-2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2022 |
| Title Company | ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 55 PHELPS ST, LOCKPORT, NY 14094-2019 |
| Document Number | 0000003806 |
|---|---|
| Date | Jul 15, 2022 |
| Instrument | 2022-13806 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 298 Months |
| Due | May 18, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NIAGARA NY |
| Property Address | 55 PHELPS ST, LOCKPORT, NY 14094-2019 |
| Document Number | 0000016187 |
| Instrument Date | Sep 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2018 |
| Title Company | LIBERTY TITLE AND ESCROW |
| Name | Verified Name |
|---|---|
| Address | 55 PHELPS ST LOCKPORT NY 140942019, LOCKPORT, NY 14094-2019 |
| Document Number | 0000016187 |
|---|---|
| Date | Sep 18, 2018 |
| Instrument | 16187 |
| Name | CITIZENS BK NA |
|---|---|
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Sep 17, 2043 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 55 Phelps St was $4,355 with a homeowner's exemption, up 16.8% from the year before.
Source: Niagara County and Lockport City assessment roll, as of April 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Niagara County |
| Municipality | Lockport City |
| Unified School District | Lockport City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,355.00 (+16.79%) Homeowner's exemption | ||
| 2025 | $3,729.00 | $164,000 Land $8,900 Building $155,100 | $164,000 Land $8,900 Building $155,100 |
| 2023 | $149,000 Land $8,900 Building $140,100 | $149,000 Land $8,900 Building $140,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 55 Phelps 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 risk around 55 Phelps 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 94% of the US · lower than 93% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 328 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: T-Mobile, Verizon.
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