Erie County and Lancaster Town property record for 21 Ryan St, Lancaster, NY 14086
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,044 sqft · built 1996 |
| Lot Size | 0.87 acres (37,897 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $511,000 (Apr 2024) |
| Tax Bill | $8,520 (2026) |
| Deeds & Mortgages | Apr 2024 Sale & Mortgage May 2020 Line of Credit |
| Flood Zone | Zone X (moderate risk) |
| APN | 145289 115.20-4-10 |
| Primary APN | 145289 115.20-4-10 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,044 sqft Living Area |
| 1st Floor Area | 1,174 sqft |
| 2nd Floor Area | 870 sqft |
| Game Room | Game Room |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 37,897 sqft (0.87 acres) |
| Lot Dimensions | 272 ft deep x 57.3 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 21 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 10 |
| Legal Subdivision | BUFFALO CREEK RESERVATION |
| Legal Block | 4 |
| Legal Lot Number | 10.000 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 14206 |
21 Ryan St is owned and occupied by two individuals who bought it in April 2024.
Source: Erie County and Lancaster Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 21 RYAN ST, LANCASTER, NY 14086-9445 |
| 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.
| Date | Document |
|---|---|
| Apr 9, 2024 | Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK |
| May 8, 2020 | Deed of Trust, Mortgage · Line of Credit KEYBANK USA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 9, 2024 · Amount on File |
| Deed Sale | Apr 9, 2024 · Amount on File |
| Prior Sale | Dec 30, 2004 · Amount on File |
| Deed Document Number | 20242024056572 |
| Deed Book / Page | 11429 / 8066 |
| Prior Transfer Date | Mar 9, 2004 |
| Prior Transfer Doc | 0000000413 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Apr 9, 2024 |
| Property Address | 21 RYAN ST, LANCASTER, NY 14086-9445 |
| Document Number | 0114298066 |
| Book / Page | 11429 / 8066 |
| Instrument Date | Mar 20, 2024 |
| Instrument | 2024056572 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2024 |
| Title Company | OLD REPUBLIC NATL TTL INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,044.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 21 RYAN ST, LANCASTER, NY 14086-9445 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 460 FARGO AVE, BUFFALO, NY 14213-2121 |
| Document Number | 0141227587 |
|---|---|
| Date | Apr 9, 2024 |
| Book Page | 14122/7587 |
| Instrument | 2024056573 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Address | WARREN, PA 16365 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 21 RYAN ST, LANCASTER, NY 14086-9445 |
| Document Number | 0139414145 |
| Instrument Date | May 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2020 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Address | 21 RYAN ST LANCASTER NY 140869445, LANCASTER, NY 14086-9445 |
| Document Number | 0139414145 |
|---|---|
| Date | Jun 1, 2020 |
| Book Page | 013941/004145 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Address | BROOKLYN, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 21 Ryan St was $8,520, up 109.5% 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 | $8,520.00 (+109.49%) | ||
| 2025 | $4,067.00 (-50.99%) | $300,000 (-) Land $70,000 Building $230,000 | $468,750 (+12.49%) Land $109,375 Building $359,375 |
| 2024 | $8,298.00 Homeowner's exemption | $300,000 (-) Land $70,000 Building $230,000 | $416,700 (+4.18%) Land $97,230 Building $319,470 |
| 2023 | Homeowner's exemption | $300,000 Land $70,000 Building $230,000 | $400,000 Land $93,333 Building $306,667 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21 Ryan St in Zone X, an area of moderate flood risk, though there have been 2 flood claims nearby since 1983.
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.
Wildfire risk around 21 Ryan St is low, with 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 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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