10 Ryan St, Lancaster, NY 14086 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,335 sqft · built 1997
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Nov 2023)
Tax Bill	$6,196 (2026)
Deeds & Mortgages	Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`145289 115.20-4-25`

Property Details

APN / Parcel Number

Primary APN	`145289 115.20-4-25`
Alternative APN	`52891152000004025000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,335 sqft Living Area
1st Floor Area	648 sqft
2nd Floor Area	687 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	153 ft deep x 80.2 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	10 RYAN ST
City	LANCASTER
State	NY
Zip	14086-9446
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	MC 2784 SL25
Legal Subdivision	BUFFALO CREEK RESERVATION
Legal Block	4
Legal Lot Number	25.000
Jurisdiction	ERIE NY
Township / Civil Division	LANCASTER
Census Block Group	3
Census Block	3007
Census Tract	14206

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	10 RYAN ST, LANCASTER, NY 14086-9446
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2023 · Amount on Record
Deed Sale	Nov 22, 2023 · Amount on Record
Prior Sale	May 7, 2004 · Amount on Record
Deed Document Number	2023201554
Deed Book / Page	11424 / 7982
Prior Transfer Date	Aug 18, 2010
Prior Transfer Doc	0111877468
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Nov 22, 2023
Property Address	10 RYAN ST, LANCASTER, NY 14086-9446
Document Number	0114247982
Book / Page	11424 / 7982
Instrument Date	Nov 6, 2023
Instrument	2023201554
Transaction Type	Transfer
Record Updated	Dec 22, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,440.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10 RYAN ST, LANCASTER, NY 14086-9446

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 RYAN ST, LANCASTER, NY 14086-9446

Mortgage

Document Number	0141111186
Date	Nov 22, 2023
Instrument	14111/1186

Lender

Name	FIVE STAR BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2033

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Type Change Date	Dec 1, 2033
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	12.1%
Index	1-Year T-Bill
Max Rate	12.1%

Tax Assessment & Valuation

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
Unified School District	Lancaster Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,196.00 (+108.97%)
2025	$2,965.00 (-50.16%)	$212,000 (-) Land $70,000 Building $142,000	$331,250 (+12.52%) Land $109,375 Building $221,875
2024	$5,949.00	$212,000 (-) Land $70,000 Building $142,000	$294,400 (+4.14%) Land $97,208 Building $197,192
2023		$212,000 (-) Land $70,000 Building $142,000	$282,700 (+16%) Land $93,344 Building $189,356
2022		$212,000 Land $70,000 Building $142,000	$243,700 Land $80,467 Building $163,233

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

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 94% of New York
Wildfire Likelihood	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.

Drinking Water

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

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 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