Niagara County and Lockport City property record for 98 Prospect St, Lockport, NY 14094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,398 sqft · built 1900 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $67,000 (Feb 2024) |
| Tax Bill | $2,895 (2026) |
| Deeds & Mortgages | Feb 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 6-5894.000 |
| Primary APN | 6-5894.000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,398 sqft Living Area |
| 1st Floor Area | 807 sqft |
| 2nd Floor Area | 591 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,485 sqft (0.08 acres) |
| Lot Dimensions | 107 ft deep x 33 ft wide |
| Porch | Slab |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 6-5894.000 |
|---|---|
| Street Address | 98 PROSPECT ST |
| City | LOCKPORT |
| State | NY |
| Zip | 14094-4247 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Block | 1 |
| Legal Lot Number | 29.000 |
| Jurisdiction | NIAGARA NY |
| Township / Civil Division | LOCKPORT |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 23600 |
98 Prospect St is owned and occupied by two individuals who bought it in February 2024.
Source: Niagara County and Lockport City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 98 PROSPECT ST, LOCKPORT, NY 14094-4247 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 6, 2024 · Amount on File |
| Deed Sale | Feb 6, 2024 · Amount on File |
| Deed Document Number | 20241954 |
| Record Updated | Oct 29, 2026 |
| Document Type | Executor's Deed |
|---|---|
| Jurisdiction | NIAGARA NY |
| Recording Date | Feb 6, 2024 |
| Property Address | 98 PROSPECT ST, LOCKPORT, NY 14094-4247 |
| Document Number | 0000001954 |
| Instrument Date | Jan 9, 2024 |
| Instrument | 2024-01954 |
| Transaction Type | Transfer |
| Record Updated | Feb 16, 2024 |
| Title Company | FRONTIER ABSTRACT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $268.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5509 FOREST HILL RD, LOCKPORT, NY 14094-6223 |
| Name | Verified Name |
|---|---|
| Address | 278 WASHBURN ST, LOCKPORT, NY 14094-4541 |
| Document Number | 0000001955 |
|---|---|
| Date | Feb 6, 2024 |
| Instrument | 2024-01955 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2054 |
The 2026 property tax bill for 98 Prospect St was $2,895, up 2.4% 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 | $2,895.00 (+2.41%) | ||
| 2025 | $2,827.00 | $109,000 Land $4,500 Building $104,500 | $109,000 Land $4,500 Building $104,500 |
| 2023 | $113,000 (+9.71%) Land $4,500 Building $108,500 | $113,000 (+9.71%) Land $4,500 Building $108,500 | |
| 2022 | $103,000 Land $4,500 Building $98,500 | $103,000 Land $4,500 Building $98,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 98 Prospect 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.
The area around 98 Prospect St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 583 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: Verizon.
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