10 Carter St, Lancaster, NY 14086 Property Records

Erie County and Lancaster Town property record for 10 Carter St, Lancaster, NY 14086

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	6 bd · 2 ba · 1,792 sqft · built 1957
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$310,000 (May 2025)
Tax Bill	$7,045 (2026)
Deeds & Mortgages	Dec 2021 Mortgage May 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`145203 104.15-6-4`

Property Details

APN / Parcel Number

Primary APN	`145203 104.15-6-4`
Alternative APN	`52031041500006004000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Units	2 Units
Stories	1 Story
Building Area	1,792 sqft Gross Area
1st Floor Area	1,260 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1985
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	118 ft deep x 95.5 ft wide
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	10 CARTER ST
City	LANCASTER
State	NY
Zip	14086-1866
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	RES
Legal Description	SC10 490 4 35 TO 33 95.5X 118
Legal Subdivision	HOLLAND LAND COMPANYS SURVEY
Legal Block	6
Legal Lot Number	4.000
Jurisdiction	ERIE NY
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1008
Census Tract	14400

Owner

10 Carter St, a commercial property, is owned by an individual who bought it in May 2025.

Source: Erie County and Lancaster Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	10 CARTER ST, LANCASTER, NY 14086-1866
Owner Type	Individual
Vesting	Individual(s)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage 1ST PRIORITY MORTGAGE INC
May 30, 2025	Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jun 3, 2020	Warranty Deed, Transfer STEWART TITLE INSURANCE CO
Nov 7, 2019	Trustee's Deed, Foreclosure STEWART TITLE, STEWART TITLE INSURANCE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2025 · Amount on File
Deed Sale	May 30, 2025 · Amount on File
Prior Sale	Jun 3, 2020 · Amount on File
Deed Document Number	202598124
Deed Book / Page	11446 / 1955
Prior Transfer Date	Oct 7, 2019
Prior Transfer Doc	0113524132
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	10 CARTER ST, LANCASTER, NY 14086-1866
Transaction Type	Mortgage
Record Updated	Nov 10, 2025
Title Company	UNKNOWN, WEB FIRST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	284 PLEASANT VIEW DR, LANCASTER, NY 14086-1300

Mortgage

Document Number	0140327543
Date	Dec 28, 2021
Book Page	14032/7543
Instrument	2021258432

Lender

Name	1ST PRIORITY MORTGAGE INC
Type	Mortgage Company
Address	BUFFALO, NY 14221

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

May 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ERIE NY
Recording Date	May 30, 2025
Property Address	10 CARTER ST, LANCASTER, NY 14086-1866
Document Number	0114461955
Book / Page	11446 / 1955
Instrument Date	May 27, 2025
Instrument	2025098124
Transaction Type	Transfer
Record Updated	Nov 10, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,240.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15 LINDAN DR, DEPEW, NY 14043-1651

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 CARTER ST, LANCASTER, NY 14086-1866

Mortgage

Document Number	0141625724
Date	May 30, 2025
Instrument	14162/5724

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2055

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Jun 3, 2020
Property Address	10 CARTER ST, LANCASTER, NY 14086-1810
Document Number	0113610768
Book / Page	11361 / 768
Map Reference	DOC 490
Instrument Date	Feb 5, 2020
Instrument	2020089531
Transaction Type	Transfer
Record Updated	Apr 14, 2022
Title Company	STEWART TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Tax	$540.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1450 PORTERVILLE RD, 1450, EAST AURORA, NY 14052-9647

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 138, BOWMANSVILLE, NY 14026-0138

November 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ERIE NY
Recording Date	Nov 7, 2019
Property Address	10 CARTER ST, LANCASTER, NY 14086-1810
Document Number	0113524132
Book / Page	011352 / 004132
Instrument Date	Oct 7, 2019
Transaction Type	Foreclosure
Record Updated	Dec 4, 2019
Title Company	STEWART TITLE, STEWART TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Tax	$73.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2259 EMERY RD SOUTH WALES NY 141399704, SOUTH WALES, NY 14139-9704
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 10 Carter St was $7,045, up 146.9% from the year before.

Source: Erie County and Lancaster Town assessment roll, as of May 19, 2026

Property Jurisdictions

Type	Name
State	New York
County	Erie County
County Subdivision	Lancaster Town
Municipality	Lancaster Village
Unified School District	Lancaster Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,045.00 (+146.93%)
2025	$2,853.00 (-57.78%)	$180,000 (-) Land $22,700 Building $157,300	$281,250 (+12.5%) Land $35,469 Building $245,781
2024	$6,757.00	$180,000 (-) Land $22,700 Building $157,300	$250,000 (+4.17%) Land $31,528 Building $218,472
2023		$180,000 Land $22,700 Building $157,300	$240,000 Land $30,267 Building $209,733

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 10 Carter St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 20, 2024

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

The area around 10 Carter 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ECWA DIRECT public/private · serves 313,380 people · EPA ID NY1400443
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	6 ppb (2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 462 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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