Erie County and Lancaster Town property record for 15 Ryan St, Lancaster, NY 14086
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,660 sqft · built 1998 |
| Lot Size | 0.87 acres (37,897 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $6,372 (2026) |
| Deeds & Mortgages | Feb 2026 Mortgage Jul 2023 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 145289 115.20-4-13 |
| Primary APN | 145289 115.20-4-13 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,660 sqft Living Area |
| 1st Floor Area | 920 sqft |
| 2nd Floor Area | 740 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 37,897 sqft (0.87 acres) |
| Lot Dimensions | 210 ft deep x 57.3 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 64 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 15 RYAN ST |
|---|---|
| City | LANCASTER |
| State | NY |
| Zip | 14086-9445 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR |
| Legal Description | MC 2784 SL 13 |
| Legal Subdivision | BUFFALO CREEK RESERVATION |
| Legal Block | 4 |
| Legal Lot Number | 13.000 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 14206 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 15 RYAN ST, LANCASTER, NY 14086-9445 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 9, 2026 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Jul 20, 2023 | Deed of Trust, Mortgage · VA Mortgage M & T BANK |
| Jul 20, 2023 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 20, 2023 |
| Deed Sale | Jul 20, 2023 |
| Prior Sale | Oct 16, 2013 · Amount on Record |
| Deed Document Number | 20232023123471 |
| Deed Book / Page | 11419 / 6276 |
| Prior Transfer Date | Jun 16, 2023 |
| Prior Transfer Doc | 0114196276 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 15 RYAN ST, LANCASTER, NY 14086-9445 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 15 RYAN ST, LANCASTER, NY 14086-9445 |
| Document Number | 0141897095 |
|---|---|
| Date | Feb 9, 2026 |
| Book Page | 14189/7095 |
| Instrument | 2026024033 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 15 RYAN ST, LANCASTER, NY 14086-9445 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2023 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Name | Verified Name |
|---|---|
| Address | 15 RYAN ST, LANCASTER, NY 14086-9445 |
| Document Number | 0140976041 |
|---|---|
| Date | Jul 20, 2023 |
| Book Page | 14097/6041 |
| Instrument | 2023123472 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Jul 20, 2023 |
| Property Address | 15 RYAN ST, LANCASTER, NY 14086-9445 |
| Document Number | 0114196276 |
| Book / Page | 11419 / 6276 |
| Instrument Date | Jun 16, 2023 |
| Instrument | 2023123471 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 118 SAINT FELIX AVE, CHEEKTOWAGA, NY 14227-1226 |
| Name | Verified Name |
|---|---|
| Address | 15 RYAN ST, LANCASTER, NY 14086-9445 |
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 | $6,372.00 (-40.79%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | ||
| 2025 | $10,761.00 (+115.39%) | $252,000 (-) Land $70,000 Building $182,000 | $393,750 (+12.5%) Land $109,375 Building $284,375 |
| 2024 | $4,996.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $252,000 (-) Land $70,000 Building $182,000 | $350,000 (+4.17%) Land $97,222 Building $252,778 |
| 2023 | Homeowner's exemption Disabled Person's exemption Veteran's exemption | $252,000 (-) Land $70,000 Building $182,000 | $336,000 (+15.98%) Land $93,333 Building $242,667 |
| 2022 | $252,000 Land $70,000 Building $182,000 | $289,700 Land $80,472 Building $209,228 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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 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.
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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