Erie County and Lancaster Town property record for 21 E Payne St, Lancaster, NY 14086
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,070 sqft · built 1959 |
| Lot Size | 0.176 acres (7,650 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $98,000 (Sep 2008) |
| Tax Bill | $4,958 (2026) |
| Deeds & Mortgages | May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 145203 115.08-1-22 |
| Primary APN | 145203 115.08-1-22 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,070 sqft Living Area |
| 1st Floor Area | 1,070 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,650 sqft (0.176 acres) |
| Lot Dimensions | 152 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 330 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 21 E PAYNE ST |
|---|---|
| City | LANCASTER |
| State | NY |
| Zip | 14086-2516 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SC10 592 PT1O2 1O3 5O X 152.6 |
| Legal Subdivision | HOLLAND LAND COMPANYS SURVEY |
| Legal Block | 1 |
| Legal Lot Number | 22.000 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 14300 |
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 | 21 E PAYNE ST, LANCASTER, NY 14086-2516 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2008 · Amount on Record |
| Deed Sale | Sep 30, 2008 · Amount on Record |
| Deed Document Number | 2008199506 |
| Deed Book / Page | 11150 / 5411 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 21 E PAYNE ST, LANCASTER, NY 14086-2516 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2021 |
| Name | Verified Name |
|---|---|
| Address | 21 E PAYNE ST, LANCASTER, NY 14086-2516 |
| Document Number | 0139946835 |
|---|---|
| Date | May 12, 2021 |
| Book Page | 13994/6835 |
| Instrument | 2021090908 |
| Name | HSBC BANK USA |
|---|---|
| Type | Bank |
| Address | NEW YORK, NY 10018 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
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 |
| Municipality | Lancaster Village |
| Unified School District | Lancaster Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,958.00 (+31.27%) Homeowner's exemption | ||
| 2025 | $3,777.00 (-21.49%) | $143,000 (-) Land $34,700 Building $108,300 | $223,438 (+12.51%) Land $54,219 Building $169,219 |
| 2024 | $4,811.00 Homeowner's exemption | $143,000 (-) Land $34,700 Building $108,300 | $198,600 (+4.14%) Land $48,192 Building $150,408 |
| 2023 | Homeowner's exemption | $143,000 Land $34,700 Building $108,300 | $190,700 Land $46,275 Building $144,425 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
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 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ECWA DIRECT public/private · serves 313,380 people · EPA ID NY1400443 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2025 |
| Lead | 6 ppb (2025) 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 393 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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