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427-429 Pine St, Lockport, NY, 14094

4beds
2baths
5,197sqft
$350,000
$67price/sqft
$3,268/moest. monthly cost
$130,720/yrincome needed

About This Home

Also listed for sale under: B1694040 and in conjunction with B1693173. Opportunity awaits with this unique commercial property comprised of two combined parcels at 427 & 429 Pine St, including a lot behind at 29 Gaffney to be included as well (1.94acres for 3.78 overall). Originally a residence, this well-maintained building has been converted into functional office space while maintaining its charming exterior character. The flexible layout offers numerous private offices, expansive open work areas, conference or collaborative spaces, multiple storage and filing rooms, 1.5 baths overall, and abundant built-in cabinetry and workspace to accommodate a variety of business needs. Situated on a beautifully landscaped double lot, the property provides exceptional curb appeal, a long paved driveway with ample off-street parking (21 spaces), and both an attached and detached garage offering additional storage or utility space. The versatile floor plan lends itself to a wide range of professional, administrative, creative, or service-oriented uses (subject to municipal approvals). Conveniently located with easy access to local businesses, downtown Lockport, and major roadways, this is an outstanding opportunity for an owner-occupant or investor seeking a distinctive commercial property with room to grow. Upgrades include roof-2017, carpeting- 2016, blacktop-2015. Taxes and acreage have been combined to represent both parcels. 427 Pine: 290900-123.005-0002-071-000. 429 Pine: 290900-123.005-0002-072-000.

Getting Around

56
WalkingSomewhat Walkable
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

4/10
6/10
Lockport High SchoolGrades 9-120.5 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1936

Materials

  • Foundation: Block
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Two Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Water Heater,See Remarks

Basement

  • Has basement: Yes
  • Basement: Full,Finished

Bedrooms & Bathrooms

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

Features

  • Attic,Den,Separate/Formal Living Room,Home Office,Other,See Remarks,Bedroom on Main Level,Main Level Primary
  • Flooring: Carpet,Hardwood,Laminate,Varies
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating

  • Heating features: Gas,Forced Air

Interior Area

  • Total structure area: 5,197
  • Total interior livable area: 5,197 sqft

Property

Details

  • Parcel number: 2909001230050002072000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Blacktop Driveway

Lot

  • Lot size: 3.84 Acres
  • Features: Irregular Lot,Residential Lot,Wooded
  • Lot size dimensions: 45 x 645

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage,Driveway
  • 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

  • Ice Storm
    Ice StormModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Ice Storm
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 $1,769$21,228
Home Insurance *$137$1,644
Property Taxes $504$6,048
Electricity $858$10,306
Total$3,268$39,216
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$112,045/yr
40% on housing$98,040/yr
45% on housing$87,146/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

$67This 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
2026-08-17Price change$339,000
2026-06-27Listed for sale$350,000

For Sale by Agent

AgentRyan Neidrauer
Brokerage716 Realty Group WNY LLC

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