Erie County and Lancaster Town property record for 177 Peppermint Rd, Lancaster, NY 14086
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,548 sqft · built 1975 |
| Lot Size | 1.3 acres (56,600 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $157,000 (Oct 2006) |
| Tax Bill | $6,566 (2026) |
| Deeds & Mortgages | May 2026 Mortgage May 2026 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 145289 95.00-4-11.2 |
| Primary APN | 145289 95.00-4-11.2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,548 sqft Living Area |
| 1st Floor Area | 1,548 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 56,600 sqft (1.3 acres) |
| Lot Dimensions | 566 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 525 sqft |
| Porch | Slab |
| Porch Area | 56 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 177 PEPPERMINT RD |
|---|---|
| City | LANCASTER |
| State | NY |
| Zip | 14086-9725 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | HOLLAND LAND COMPANYS SURVEY |
| Legal Block | 4 |
| Legal Lot Number | 11.200 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 2 |
| Census Block | 2040 |
| Census Tract | 14208 |
Source: Erie County and Lancaster Town records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 177 PEPPERMINT RD, LANCASTER, NY 14086-9725 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| May 11, 2026 | Deed of Trust, Mortgage · FHA Mortgage M & T BANK NA |
| May 11, 2026 | Deed of Trust, Mortgage · Conventional Mortgage |
| Jun 13, 2022 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO |
| Mar 29, 2022 | Deed of Trust, Mortgage · Conventional Mortgage M & T BANK |
| Feb 11, 2019 | Deed of Trust, Mortgage · Line of Credit KEYBANK USA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 24, 2006 · Amount on Record |
| Deed Sale | Oct 24, 2006 · Amount on Record |
| Deed Document Number | 20062006232356 |
| Deed Book / Page | 11120 / 8358 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | May 11, 2026 |
| Property Address | 177 PEPPERMINT RD, LANCASTER, NY 14086-9725 |
| Document Number | 0000087127 |
| Book / Page | 14198 / 2928 |
| Instrument Date | May 4, 2026 |
| Instrument | 202687127 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 177 PEPPERMINT RD, LANCASTER, NY 14086-9725 |
| Document Number | 0000087127, |
|---|---|
| Date | May 11, 2026 |
| Book Page | 14198/2928 |
| Instrument | 202687127 |
| Name | M & T BANK NA |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | May 11, 2026 |
| Property Address | 177 PEPPERMINT RD, LANCASTER, NY 14086-9725 |
| Document Number | 0000087128 |
| Book / Page | 11460 / 7268 |
| Instrument Date | May 4, 2026 |
| Instrument | 202687128 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 177 PEPPERMINT RD, LANCASTER, NY 14086-9725 |
| Document Number | 0000087128, |
|---|---|
| Date | May 11, 2026 |
| Book Page | 11460/7268 |
| Instrument | 202687128 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 5.87% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 177 PEPPERMINT RD, LANCASTER, NY 14086-9725 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2026 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 177 PEPPERMINT RD, LANCASTER, NY 14086-9725 |
| Document Number | 0140557753 |
|---|---|
| Date | Jun 13, 2022 |
| Book Page | 14055/7753 |
| Instrument | 2022112878 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Address | LANCASTER, NY 14086 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 12, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 177 PEPPERMINT RD, LANCASTER, NY 14086-9725 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 177 PEPPERMINT RD, LANCASTER, NY 14086-9725 |
| Document Number | 0140464840 |
|---|---|
| Date | Mar 29, 2022 |
| Book Page | 14046/4840 |
| Instrument | 2022063390 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 177 PEPPERMINT RD, LANCASTER, NY 14086-9725 |
| Document Number | 0138883031 |
| Instrument Date | Feb 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2019 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 177 PEPPERMINT RD LANCASTER NY 140869725, LANCASTER, NY 14086-9725 |
| Document Number | 0138883031 |
|---|---|
| Date | Feb 25, 2019 |
| Book Page | 013888/003031 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Address | BROOKLYN, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $6,566.00 (+1.7%) Homeowner's exemption | ||
| 2025 | $6,456.00 (+1.78%) | $239,000 (-) Land $53,000 Building $186,000 | $373,438 (+12.52%) Land $82,813 Building $290,625 |
| 2024 | $6,343.00 Homeowner's exemption | $239,000 (-) Land $53,000 Building $186,000 | $331,900 (+4.14%) Land $73,601 Building $258,299 |
| 2023 | Homeowner's exemption | $239,000 Land $53,000 Building $186,000 | $318,700 Land $70,674 Building $248,026 |
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 15 (1979–2018) |
| Most Recent Claim | Nov 2018 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 93% 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 40 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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