Erie County and Lancaster Town property record for 10 Joseph Dr, Lancaster, NY 14086
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,430 sqft · built 2005 |
| Lot Size | 1.73 acres (75,359 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $600,000 (Dec 2025) |
| Tax Bill | $10,115 (2026) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Dec 2025 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 145289 126.08-4-12 |
| Primary APN | 145289 126.08-4-12 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,430 sqft Living Area |
| 1st Floor Area | 1,326 sqft |
| 2nd Floor Area | 1,104 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 75,359 sqft (1.73 acres) |
| Lot Dimensions | 544 ft deep x 52 ft wide |
| Garage Type | Attached |
| Garage Area | 550 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Above-Ground Pool |
| Porch | Slab |
| Porch Area | 280 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 10 JOSEPH DR |
|---|---|
| City | LANCASTER |
| State | NY |
| Zip | 14086-9439 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR |
| Legal Description | MC 2660 SL 12 |
| Legal Subdivision | BUFFALO CREEK RESERVATION |
| Legal Block | 4 |
| Legal Lot Number | 12.000 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 14206 |
Source: Erie County and Lancaster Town records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 43 LINDEN AVE, LANCASTER, NY 14086-2540 |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Dec 8, 2025 | Deed, Transfer · Conventional Mortgage OWNERS CHOICE FUNDING INC |
| Dec 8, 2025 | Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Dec 8, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| May 24, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 8, 2025 · Amount on Record |
| Deed Sale | Dec 8, 2025 · Amount on Record |
| Prior Sale | Dec 8, 2025 · Amount on Record |
| Deed Document Number | 2025222902 |
| Deed Book / Page | 11454 / 4166 |
| Prior Transfer Date | May 6, 2019 |
| Prior Transfer Doc | 0113448071 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Dec 8, 2025 |
| Property Address | 10 JOSEPH DR, LANCASTER, NY 14086-9439 |
| Document Number | 0114544166 |
| Book / Page | 11454 / 4166 |
| Instrument Date | Sep 29, 2025 |
| Instrument | 2025222902 |
| Transaction Type | Transfer |
| Record Updated | Feb 16, 2026 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,400.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 100 RESERVE RD, DANBURY, CT 06810-5267 |
| Name | Verified Name |
|---|---|
| Address | 43 LINDEN AVE, LANCASTER, NY 14086-2540 |
| Investor | Possibly a Property Investor |
| Document Number | 0141835185 |
|---|---|
| Date | Dec 8, 2025 |
| Instrument | 14183/5185 |
| Name | OWNERS CHOICE FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Dec 8, 2025 |
| Property Address | 10 JOSEPH DR, LANCASTER, NY 14086-9439 |
| Document Number | 0114544162 |
| Book / Page | 11454 / 4162 |
| Map Reference | DOC 2660 |
| Instrument Date | Sep 22, 2025 |
| Instrument | 2025222901 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2026 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,400.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10 JOSEPH DR, LANCASTER, NY 14086-9439 |
| Name | Verified Name |
|---|---|
| Address | 100 RESERVE RD, DANBURY, CT 06810-5267 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Dec 8, 2020 |
| Property Address | 10 JOSEPH DR, LANCASTER, NY 14086-9439 |
| Document Number | 0113707676 |
| Book / Page | 011370 / 007676 |
| Instrument Date | Nov 24, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jan 8, 2021 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10 JOSEPH DR LANCASTER NY 140869439, LANCASTER, NY 14086-9439 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | May 24, 2019 |
| Property Address | 10 JOSEPH DR, LANCASTER, NY 14086-9439 |
| Document Number | 0113448071 |
| Book / Page | 011344 / 008071 |
| Instrument Date | May 6, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10 JOSEPH DR LANCASTER NY 140869439, LANCASTER, NY 14086-9439 |
Source: Erie County and Lancaster Town assessment roll, as of May 19, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Erie County |
| County Subdivision | Lancaster Town |
| Unified School District | Lancaster Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,115.00 (+117.25%) | ||
| 2025 | $4,656.00 (-52.18%) | $360,000 (-) Land $100,000 Building $260,000 | $562,500 (+12.5%) Land $156,250 Building $406,250 |
| 2024 | $9,737.00 | $360,000 (-) Land $100,000 Building $260,000 | $500,000 (+4.17%) Land $138,889 Building $361,111 |
| 2023 | $360,000 Land $100,000 Building $260,000 | $480,000 Land $133,333 Building $346,667 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 20, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 2 (1983–1989) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | May 1989 · river or lake flooding |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 95% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 | ECWA LANCASTER serves 29,018 people · EPA ID NY1400421 |
|---|---|
| Water Source | Purchased surface water from ECWA DIRECT |
| Last State Inspection | Nov 2025 |
| Lead | 10 ppb (2020–2022) 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 325 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Greenlight Networks Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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