23 Carter St, Lancaster, NY 14086 Property Records

Erie County and Lancaster Town property record for 23 Carter St, Lancaster, NY 14086

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,122 sqft · built 1960
Lot Size	0.163 acres (7,080 sqft)
Owner	2 Individual Names on File
Last Sale	$113,830 (Jun 2010)
Tax Bill	$4,392 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`145203 104.15-7-13`

Property Details

APN / Parcel Number

Primary APN	`145203 104.15-7-13`
Alternative APN	`52031041500007013000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,122 sqft Living Area
1st Floor Area	1,122 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	7,080 sqft (0.163 acres)
Lot Dimensions	118 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	23 CARTER ST
City	LANCASTER
State	NY
Zip	14086-1809
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BL 3 SC10 490 PT 12&14 13 6O X 118
Legal Subdivision	THE HOLLAND LAND COMPANYS SURVEY
Legal Block	7
Legal Lot Number	13.000
Jurisdiction	ERIE NY
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1009
Census Tract	14400

Owner

23 Carter St is owned and occupied by two individuals who bought it in June 2010.

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

Owner of Record	2 Individual Names on File
Mailing Address	23 CARTER ST, LANCASTER, NY 14086-1809
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

Date	Document
Apr 22, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Nov 5, 2021	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Mar 21, 2018	Loan Modification, Mortgage · Line of Credit WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2010 · Amount on File
Deed Sale	Jun 16, 2010 · Amount on File
Deed Document Number	20102010105658
Deed Book / Page	11183 / 4669
Prior Transfer Date	Aug 28, 2009
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Recording Date	Apr 22, 2026
Property Address	23 CARTER ST, LANCASTER, NY 14086-1809
Document Number	0141965018
Book / Page	14196 / 5018
Instrument Date	Apr 7, 2026
Instrument	202675136
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 CARTER ST, LANCASTER, NY 14086-1809
Investor	Possibly a Property Investor

Mortgage

Document Number	0000075136,
Date	Apr 22, 2026
Book Page	14196/5018
Instrument	202675136

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	23 CARTER ST, LANCASTER, NY 14086-1809
Transaction Type	Mortgage
Record Updated	Apr 5, 2024
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 CATER STREET, LANCASTER, NY 14086-1809

Mortgage

Document Number	0140240690
Date	Nov 5, 2021
Book Page	14024/690
Instrument	2021221358

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	318 Months
Due	May 1, 2048

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ERIE NY
Property Address	23 CARTER ST, LANCASTER, NY 14086-1809
Document Number	0138667794
Instrument Date	Mar 21, 2018
Transaction Type	Mortgage
Record Updated	Sep 5, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 CARTER ST LANCASTER NY 140861809, LANCASTER, NY 14086-1809

Mortgage

Document Number	0138667794
Date	Aug 17, 2018
Book Page	013866/007794

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 16, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.12%

Tax Assessment & Valuation

The 2026 property tax bill for 23 Carter St was $4,392, up 188% 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
Municipality	Lancaster Village
Unified School District	Lancaster Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,392.00 (+188%)
2025	$1,525.00 (-64.17%)	$125,000 (-) Land $24,400 Building $100,600	$195,313 (+12.51%) Land $38,125 Building $157,188
2024	$4,256.00	$125,000 (-) Land $24,400 Building $100,600	$173,600 (+4.14%) Land $33,887 Building $139,713
2023		$125,000 Land $24,400 Building $100,600	$166,700 Land $32,540 Building $134,160

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

Flood

FEMA maps place 23 Carter St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 20, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 23 Carter St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 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

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 462 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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