21 Spruceland Ter, Lancaster, NY 14086 Property Records

Erie County and Lancaster Town property record for 21 Spruceland Ter, Lancaster, NY 14086

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,442 sqft · built 1990
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on File
Last Sale	$237,000 (Feb 2013)
Tax Bill	$8,369 (2026)
Deeds & Mortgages	Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`145289 126.11-2-13`

Property Details

APN / Parcel Number

Primary APN	`145289 126.11-2-13`
Alternative APN	`52891261100002013000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,442 sqft Living Area
1st Floor Area	1,462 sqft
2nd Floor Area	980 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	175 ft deep x 183 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	54 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	21 SPRUCELAND TER
City	LANCASTER
State	NY
Zip	14086-3419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	MC 2542 SL 13
Legal Subdivision	BUFFALOE CREEK RESERVATION
Legal Block	2
Legal Lot Number	13.000
Jurisdiction	ERIE NY
Township / Civil Division	LANCASTER
Census Block Group	3
Census Block	3012
Census Tract	14206

Owner

21 Spruceland Ter is owned and occupied by two individuals who bought it in February 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	21 SPRUCELAND TER, LANCASTER, NY 14086-3419
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2013 · Amount on File
Deed Sale	Feb 8, 2013 · Amount on File
Prior Sale	Apr 30, 2004 · Amount on File
Deed Document Number	201332726
Deed Book / Page	11239 / 2262
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	21 SPRUCELAND TER, LANCASTER, NY 14086-3419
Transaction Type	Mortgage
Record Updated	Sep 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0138219802
Date	Aug 7, 2017
Book Page	13821/9802
Instrument	2017156603

Lender

Name	NORTHWEST BANK
Type	Bank
Address	WARREN, PA 16365

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2032

Tax Assessment & Valuation

The 2026 property tax bill for 21 Spruceland Ter was $8,369 with a homeowner's exemption, up 2% 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	$8,369.00 (+1.96%) Homeowner's exemption
2025	$8,208.00 (+1.98%)	$293,000 (-) Land $70,000 Building $223,000	$457,813 (+12.51%) Land $109,375 Building $348,438
2024	$8,049.00 Homeowner's exemption	$293,000 (-) Land $70,000 Building $223,000	$406,900 (+4.15%) Land $97,212 Building $309,688
2023	Homeowner's exemption	$293,000 Land $70,000 Building $223,000	$390,700 Land $93,341 Building $297,359

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

Flood

FEMA maps place 21 Spruceland Ter in Zone X, an area of minimal 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 minimal risk
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

Wildfire risk around 21 Spruceland Ter 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 97% of the US · lower than 96% 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.

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 300 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 · Fiber in parts of the area	300 / 20
T-Mobile Fixed Wireless	100 / 20