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102 Niagara St, Lockport, NY, 14094

4beds
3baths
3,798sqft
$299,500
$79price/sqft
$2,689/moest. monthly cost
$107,560/yrincome needed

About This Home

Also listed as multi-family listing B1698503. Situated on over a quarter acre in one of Lockport’s most historic neighborhoods, just moments from the Erie Canal corridor and Empire State Trail, this turnkey home blends timeless craftsmanship with exceptional versatility. 4 bedrooms, 3 full baths, hardwood floors, intricate woodwork, and a flexible floor plan featuring two kitchens and multiple living areas. The first floor offers a spacious primary bedroom and full bath, multiple layout options, a full kitchen, formal dining room, and an expansive living surrounding a wood-burning fireplace. Ascend to the second floor by way of the grand staircase or the rear staircase off the kitchen. Here you’ll find a welcoming reading loft, additional bedrooms, two full baths—including one en-suite and one connecting adjoining bedrooms— crafted doors, generous closet space, and versatile rooms. A 2nd-floor kitchen further enhances the home’s flexibility, making it ideal for multigenerational living, guest accommodations, extended family, or buyers seeking adaptable living space. Its unique layout may also appeal to those exploring future income-producing or short-term rental opportunities, subject to municipal approvals and local regulations. The 3rd floor offers a blank slate w soaring cathedral-style ceilings open layout with endless possibilities. A 3rd floor perch-style balcony overlooking the historic neighborhood and mature tree-lined streets below. Covered front porch, rear deck, private fenced backyard, detached two-car garage, and an additional outbuilding providing space for storage, hobbies, tools, or a workshop. The separate walk-out basement offers excellent storage and convenient exterior access. Major updates include roof (2012), complete electrical update (2011), sewer line replacement (2015), boiler (2011) serviced annually by Roy’s Heating & Cooling, 220-amp electric service, exterior generator hookup, and three hot water tanks (one currently connected). Whether you’re seeking historic charm, remarkable craftsmanship, flexible living space, or room to grow, 102 Niagara Street is ready to welcome your next chapter.

Getting Around

76
WalkingVery Walkable
0
TransitVery Limited Transit
62
BikeBikeable

Schools

6/10
4/10
6/10
Lockport High SchoolGrades 9-121.3 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1888

Materials

  • Foundation: Block,Stone
  • Roof: Architectural,Shingle
  • Construction materials: Shake Siding,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Historic/Antique
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Appliances Negotiable,Gas Water Heater
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Separate/Formal Dining Room,Eat-in Kitchen,Home Office,Kitchen Island,Other,See Remarks,Second Kitchen,In-Law Floorplan,Main Level Primary
  • Flooring: Carpet,Ceramic Tile,Hardwood,Varies,Vinyl
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating

  • Heating features: Gas,Radiator(s)

Interior Area

  • Total structure area: 3,798
  • Total interior livable area: 3,798 sqft

Property

Details

  • Parcel number: 2909001090130004062000
  • Special condition: Standard

Features

  • Stories: 3
  • Exterior features: Blacktop Driveway,Concrete Driveway

Lot

  • Lot size: 0.27 Acres
  • Features: Rectangular,Rectangular Lot,Residential Lot
  • Lot size dimensions: 72 x 165

Parking

  • Total spaces: 2
  • Parking features: Detached,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Ice Storm
Lightning
Strong Wind
Tsunami

FEMA Declared Disasters in Niagara County and New York

Flood
Severe Storm
Snowstorm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,514$18,168
Home Insurance *$117$1,404
Property Taxes $431$5,172
Electricity $627$7,531
Total$2,689$32,268
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$92,194/yr
40% on housing$80,670/yr
45% on housing$71,706/yr

New York FAIR Plan Programs

New York Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 20,669Commercial: 1,556
Total Premiums$32.27M
Total Exposure$7.63B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 1.6%
1.6%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.5%
-0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$79This listing

vs Other Active Listings

Avg $/sqft

ZIP 14094$132
Niagara County$124

vs Homes Sold Last Month

Median $/sqft

ZIP 14094$162
Niagara County$162

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-15Pending sale$299,500
2026-07-27Price change$299,500
2026-07-15Price change$329,500
2026-06-30Price change$359,500
2026-06-09Listed for sale$369,500
2011-02-09Listing removed$54,900
2011-01-26Listed for sale$54,900
1997-09-08Sold$56,000
AgentVincent J Ciffa
BrokerageWNY Metro Roberts Realty

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