12 Rose St, Lancaster, NY 14086 Property Records

Erie County and Lancaster Town property record for 12 Rose St, Lancaster, NY 14086

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,419 sqft · built 2010
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$480,000 (Nov 2022)
Tax Bill	$9,263 (2026)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Jun 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`145289 105.17-4-45`

Property Details

APN / Parcel Number

Primary APN	`145289 105.17-4-45`
Alternative APN	`52891051700004045000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,419 sqft Living Area
1st Floor Area	1,153 sqft
2nd Floor Area	1,266 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	130 ft deep x 75.2 ft wide
Garage Type	Attached
Garage Area	465 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Porch	Slab
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	12 ROSE ST
City	LANCASTER
State	NY
Zip	14086-2384
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Subdivision	HOLLAND LAND COMPANYS SURVEY
Legal Block	4
Legal Lot Number	45.000
Jurisdiction	ERIE NY
Township / Civil Division	LANCASTER
Census Block Group	2
Census Block	2002
Census Tract	14204

Owner

12 Rose St is owned and occupied by two individuals who bought it in November 2022.

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 File
Mailing Address	12 ROSE ST, LANCASTER, NY 14086-2384
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2022	Warranty Deed, Transfer · Conventional Mortgage M & T BANK
Jun 6, 2019	Deed of Trust, Mortgage · Line of Credit GOOD NEIGHBORS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2022 · Amount on File
Deed Sale	Nov 2, 2022 · Amount on File
Prior Sale	Mar 19, 2010 · Amount on File
Deed Document Number	20222022208910
Deed Book / Page	11410 / 487
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Nov 2, 2022
Property Address	12 ROSE ST, LANCASTER, NY 14086-2384
Document Number	0114100487
Book / Page	11410 / 487
Instrument Date	Oct 21, 2022
Instrument	2022208910
Transaction Type	Transfer
Record Updated	Apr 5, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,920.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12 ROSE ST, LANCASTER, NY 14086-2384

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 WESTWOOD DR, TONAWANDA, NY 14150-5524

Mortgage

Document Number	0140733970
Date	Nov 2, 2022
Instrument	14073/3970

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.5%
Index	Other
Margin	3
Max Rate	10.5%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	12 ROSE ST, LANCASTER, NY 14086-2384
Document Number	0138989897
Instrument Date	Jun 6, 2019
Transaction Type	Mortgage
Record Updated	Jul 1, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12 ROSE ST LANCASTER NY 140862384, LANCASTER, NY 14086-2384

Mortgage

Document Number	0138989897
Date	Jun 11, 2019
Book Page	013898/009897

Lender

Name	GOOD NEIGHBORS FCU
Address	DEPEW, NY 14043

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jun 10, 2034

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 12 Rose St was $9,263, up 110.8% 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
Unified School District	Lancaster Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,263.00 (+110.81%)
2025	$4,394.00 (-50.68%)	$320,000 (-) Land $70,000 Building $250,000	$500,000 (+12.51%) Land $109,375 Building $390,625
2024	$8,909.00	$320,000 (-) Land $70,000 Building $250,000	$444,400 (+4.15%) Land $97,212 Building $347,188
2023		$320,000 Land $70,000 Building $250,000	$426,700 Land $93,341 Building $333,359

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

Flood

FEMA maps place 12 Rose St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1987.

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 (1987–2017)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 2017 · rainfall accumulation

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

Wildfire risk around 12 Rose St is low, with less than a 0.01% annual chance of wildfire.

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.

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 164 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GoNetspeed.

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