Erie County and Lancaster Town property record for 15 Cobblestone Ct, Lancaster, NY 14086
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,702 sqft · built 1997 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $141,250 (Dec 1997) |
| Tax Bill | $6,598 (2026) |
| Deeds & Mortgages | Oct 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 145289 116.14-3-43 |
| Primary APN | 145289 116.14-3-43 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,702 sqft Living Area |
| 1st Floor Area | 877 sqft |
| 2nd Floor Area | 825 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 14,810 sqft (0.34 acres) |
| Lot Dimensions | 214 ft deep x 70 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 15 COBBLESTONE CT |
|---|---|
| City | LANCASTER |
| State | NY |
| Zip | 14086-9326 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR |
| Legal Description | 2000 KEYCHNG(HT) NEW# PER CNY MPPNG 116.14-3-43 SL140 PRIOR# 116.14-1-163 |
| Legal Subdivision | BUFFALO CREEK RESERVATION |
| Legal Block | 3 |
| Legal Lot Number | 43.000 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 14206 |
15 Cobblestone Ct is owned and occupied by two individuals who bought it in December 1997.
Source: Erie County and Lancaster Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 15 COBBLESTONE CT, LANCASTER, NY 14086-9326 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 12, 1997 · Amount on File |
| Deed Sale | Dec 12, 1997 · Amount on File |
| Prior Sale | Dec 12, 1997 · Amount on File |
| Deed Book / Page | 10925 / 287 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 15 COBBLESTONE CT, LANCASTER, NY 14086-9326 |
| Document Number | 0000192592 |
| Instrument Date | Oct 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 3, 2020 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Address | 15 COBBLESTONE CT LANCASTER NY 140869326, LANCASTER, NY 14086-9326 |
| Document Number | 0000192592 |
|---|---|
| Date | Nov 10, 2020 |
| Book Page | 013964/006449 |
| Instrument | 192592 |
| Name | CITIZENS BK NA |
|---|---|
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Nov 9, 2045 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 15 Cobblestone Ct was $6,598 with exemptions applied, down 41.2% from the year before.
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 | $6,598.00 (-41.18%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | ||
| 2025 | $11,218.00 (+115.11%) | $260,000 (-) Land $70,000 Building $190,000 | $406,250 (+12.5%) Land $109,375 Building $296,875 |
| 2024 | $5,215.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $260,000 (-) Land $70,000 Building $190,000 | $361,100 (+4.15%) Land $97,219 Building $263,881 |
| 2023 | Homeowner's exemption Disabled Person's exemption Veteran's exemption | $260,000 Land $70,000 Building $190,000 | $346,700 Land $93,342 Building $253,358 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15 Cobblestone Ct in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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 (1979) |
| Most Recent Claim | Apr 1979 · tidal / storm surge |
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 risk around 15 Cobblestone Ct 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 97% of the US · lower than 96% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 105 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 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
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