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22 Cobblestone Ct, Lancaster, NY 14086 Property Records

Erie County and Lancaster Town property record for 22 Cobblestone Ct, Lancaster, NY 14086

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,820 sqft · built 1999
Lot Size0.22 acres (9,583 sqft)
Owner2 Individual Names on Record
Last Sale$168,500 (Jul 2003)
Tax Bill$7,685 (2026)
Deeds & MortgagesJul 2021 Mortgage
Oct 2020 Loan Modification
Flood ZoneZone X (minimal risk)
APN145289 116.14-3-36

Property Details

APN / Parcel Number

Primary APN145289 116.14-3-36
Alternative APN
  • 52891161400003036000

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,820 sqft Living Area
1st Floor Area1,106 sqft
2nd Floor Area714 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 1999
Architectural StyleColonial
Exterior MaterialAluminum/Vinyl
Lot Area9,583 sqft (0.22 acres)
Lot Dimensions129 ft deep x 75.3 ft wide
Garage TypeAttached
Garage Area440 sqft
Parking Spaces2 Parking Spaces
Shed1 Shed

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address22 COBBLESTONE CT
CityLANCASTER
StateNY
Zip14086-9326
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAR
Legal Description2000 KEYCHNG(HM) NEW# PER CNY MPPNG 116.14-3-36 SL133 PRIOR# 116.14-1-170
Legal SubdivisionBUFFALO CREEK RESERVATION
Legal Block3
Legal Lot Number36.000
JurisdictionERIE NY
Township / Civil DivisionLANCASTER
Census Block Group1
Census Block1004
Census Tract14206

Owner

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

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

Owner of Record2 Individual Names on Record
Mailing Address22 COBBLESTONE CT, LANCASTER, NY 14086-9326
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 8, 2021Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Oct 17, 2020Loan Modification, Mortgage · Line of Credit
MANUFACTURERS & TRADERS TR

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 9, 2003 · Amount on Record
Deed SaleJul 9, 2003 · Amount on Record
Deed Book / Page11046 / 2068
Record UpdatedOct 29, 2026

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionERIE NY
Property Address22 COBBLESTONE CT, LANCASTER, NY 14086-9326
Transaction TypeMortgage
Record UpdatedApr 13, 2026
Title CompanyMORTGAGEE TITLE, MORTGAGEE TITLE GUARANTY

Transferred To (Grantee/Buyer)

NameVerified Name
Address22 COBBLESTONE CT, LANCASTER, NY 14086-9326

Mortgage

Document Number0140034498
DateJul 8, 2021
Book Page14003/4498
Instrument2021132173
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2051

October 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionERIE NY
Property Address22 COBBLESTONE CT, LANCASTER, NY 14086-9326
Document Number0139672092
Instrument DateOct 17, 2020
Transaction TypeMortgage
Record UpdatedDec 22, 2020
Title CompanyTITLE365 - OMAHA

Transferred To (Grantee/Buyer)

NameVerified Name
Address22 COBBLESTONE CT LANCASTER NY 140869326, LANCASTER, NY 14086-9326

Mortgage

Document Number0139672092
DateNov 24, 2020
Book Page013967/002092
Lender
NameMANUFACTURERS & TRADERS TR
AddressBUFFALO, NY 14203
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Erie County and Lancaster Town assessment roll, as of May 19, 2026

Property Jurisdictions

TypeName
StateNew York
CountyErie County
County SubdivisionLancaster Town
Unified School DistrictLancaster Central School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$7,685.00 (+2%) Homeowner's exemption
2025$7,534.00 (+1.98%)$268,000 (-) Land $70,000 Building $198,000$418,750 (+12.51%) Land $109,375 Building $309,375
2024$7,388.00 Homeowner's exemption$268,000 (-) Land $70,000 Building $198,000$372,200 (+4.17%) Land $97,216 Building $274,984
2023Homeowner's exemption$268,000 Land $70,000 Building $198,000$357,300 Land $93,325 Building $263,975

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 20, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims2 (1979)
Most Recent ClaimApr 1979 · tidal / storm surge

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

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

Wildfire RiskLow
lower than 97% of the US · lower than 96% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 SystemECWA LANCASTER
serves 29,018 people · EPA ID NY1400421
Water SourcePurchased surface water from ECWA DIRECT
Last State InspectionNov 2025
Lead10 ppb (2020–2022)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 105 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Greenlight Networks
Fiber		8,000 / 8,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

May also be available: T-Mobile.

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