15 Towne Square Dr, Lancaster, NY 14086 Property Records

Erie County and Lancaster Town property record for 15 Towne Square Dr, Lancaster, NY 14086

Property Summary

Property Type	Townhouse
Details	2 bd · 1.5 ba · 1,538 sqft · built 1995
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (May 2024)
Tax Bill	$5,663 (2026)
Deeds & Mortgages	Jul 2026 Mortgage May 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`145289 116.32-1-26`

Property Details

APN / Parcel Number

Primary APN	`145289 116.32-1-26`
Alternative APN	`52891163200001026000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,538 sqft Living Area
1st Floor Area	758 sqft
2nd Floor Area	780 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Lot Area	1,742 sqft (0.04 acres)
Lot Dimensions	64 ft deep x 27 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	Municipal
Water Source	Commercial

Location & Zoning

Street Address	15 TOWNE SQUARE DR
City	LANCASTER
State	NY
Zip	14086-9561
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	MC SL 15
Legal Subdivision	HOLLAND LAND COMPANYS SURVEY
Legal Block	1
Legal Lot Number	26.000
Jurisdiction	ERIE NY
Township / Civil Division	LANCASTER
Census Block Group	3
Census Block	3013
Census Tract	14204

Owner

15 Towne Square Dr, a townhouse, is owned and occupied by two individuals who bought it in May 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	15 TOWNE SQUARE DR, LANCASTER, NY 14086-9561
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
May 13, 2024	Warranty Deed, Transfer · Conventional Mortgage JACKSON FLAGSTAR CENTRE OFFICE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2024 · Amount on File
Deed Sale	May 13, 2024 · Amount on File
Prior Sale	Apr 12, 1995 · Amount on File
Deed Document Number	20242024076660
Deed Book / Page	11431 / 1439
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Recording Date	Jul 7, 2026
Property Address	15 TOWNE SQUARE DR, LANCASTER, NY 14086-9561
Document Number	0000122766
Book / Page	14204 / 1613
Instrument Date	Jun 1, 2026
Instrument	2026122766
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 TOWNE SQUARE DR, LANCASTER, NY 14086-9561

Mortgage

Document Number	0000122766,
Date	Jul 7, 2026
Book Page	14204/1613
Instrument	2026122766

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Initial Type	Adjustable Rate
Type Change Date	Oct 1, 2031
Change Frequency	Annually
Index	1-Year T-Bill
Margin	2
Max Rate	5.87%

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	May 13, 2024
Property Address	15 TOWNE SQUARE DR, LANCASTER, NY 14086-9561
Document Number	0114311439
Book / Page	11431 / 1439
Instrument Date	Apr 24, 2024
Instrument	2024076660
Transaction Type	Transfer
Record Updated	Apr 13, 2026
Title Company	TITLE RESOURCES GUARANTY COMPANY, TITLE RESOURCES GUARANTY CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,120.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15 TOWNE SQUARE DR, LANCASTER, NY 14086-9561

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 TOWNE SQUARE DR, LANCASTER, NY 14086-9561

Mortgage

Document Number	0141257014
Date	May 13, 2024
Instrument	14125/7014

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2054

Tax Assessment & Valuation

The 2026 property tax bill for 15 Towne Square Dr was $5,663, 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	$5,663.00 (+110.76%)
2025	$2,687.00 (-50.52%)	$195,000 (-) Land $20,000 Building $175,000	$304,688 (+12.51%) Land $31,250 Building $273,438
2024	$5,431.00 Homeowner's exemption	$195,000 (-) Land $20,000 Building $175,000	$270,800 (+4.15%) Land $27,774 Building $243,026
2023	Homeowner's exemption	$195,000 Land $20,000 Building $175,000	$260,000 Land $26,667 Building $233,333

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

Flood

FEMA maps place 15 Towne Square Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	4 (2014–2017)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Jul 2017 · 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

Wildfire risk around 15 Towne Square Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 91% of New York
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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