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5778 Tonawanda Creek Rd, Lockport, NY, 14094

4beds
3baths
2,586sqft
$425,000
$164price/sqft
$3,354/moest. monthly cost
$134,160/yrincome needed

About This Home

Rare opportunity to own one of the area's most unique properties! Set on 2 acres with exceptional creek frontage, this 1800s home has been thoughtfully updated with energy-efficient improvements that will be as impressive as the the sunset views over Tonawanda Creek. Offering 2,586 sq. ft., this timeless home features 4 bedrooms, 2.5 baths, a spacious kitchen and dining area, and 2 generous first floor living spaces. Historic charm meets modern appeal, where you can enjoy peaceful water views, with privacy that only a property like this can provide, all within the highly desirable Starpoint School District. Extensively updated for comfort and peace of mind, improvements include triple-pane windows and doors throughout the first floor (2010), a complete tear-off 50-year roof (2012), concrete driveway (2015), fully owned solar panels on the garage (2016) with electric bills averaging just $20.17/month, a large-capacity hot water tank (2022), complete basement waterproofing with interior drain tile system, exterior French drains, and new sump pump (2023), remodeled first-floor bathrooms (2024), and a radon mitigation system. Properties of this caliber rarely become available—offering an unmatched combination of historic character, modern efficiency, exceptional acreage, and one of the most desirable creekside settings in the area.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

--
Fricano Primary SchoolGrades K-25.1 mi
8/10
Starpoint Middle SchoolGrades 6-85.1 mi
8/10
Starpoint High SchoolGrades 9-125.1 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1825

Materials

  • Foundation: Poured,Stone
  • Roof: Asphalt
  • Construction materials: Vinyl Siding,Wood Siding,PEX Plumbing

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,Sump Pump

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Features

  • Separate/Formal Living Room,Living/Dining Room,Bedroom on Main Level
  • Flooring: Carpet,Hardwood,Laminate,Varies

Heating

  • Heating features: Gas,Baseboard

Interior Area

  • Total structure area: 2,586
  • Total interior livable area: 2,586 sqft

Property

Details

  • Parcel number: 2932001660000001025111
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Porch
  • Exterior features: Concrete Driveway
  • On waterfront: Yes
  • Waterfront features: Beach Access,River Access,Stream
  • Waterbody name: Other
  • Frontage length: 498

Lot

  • Lot size: 2 Acres
  • Features: Irregular Lot,Other,Residential Lot,See Remarks
  • Lot size dimensions: 298 x 408

Parking

  • Total spaces: 3
  • Parking features: Detached,Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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

  • Inland Flooding
    Inland FloodingVery High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Ice Storm
Lightning
Strong Wind
Winter Weather
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 $2,149$25,788
Home Insurance *$166$1,992
Property Taxes $612$7,344
Electricity $427$5,128
Total$3,354$40,248
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$114,994/yr
40% on housing$100,620/yr
45% on housing$89,440/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

$164This listing

vs Other Active Listings

Avg $/sqft

ZIP 14094$131
Niagara County$123

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
2026-08-06Pending sale$425,000
2026-07-16Listed for sale$425,000
2004-11-15Sold$197,500

For Sale by Agent

AgentApril Buday
BrokerageSymphony Real Estate LLC

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