Erie County and Lancaster Town property record for 23 Spruceland Ter, Lancaster, NY 14086
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,796 sqft · built 1990 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $279,500 (Feb 2017) |
| Tax Bill | $9,487 (2026) |
| Deeds & Mortgages | Mar 2021 Line of Credit Jan 2023 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 145289 126.11-2-12 |
| Primary APN | 145289 126.11-2-12 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,796 sqft Living Area |
| 1st Floor Area | 1,504 sqft |
| 2nd Floor Area | 1,292 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 13,504 sqft (0.31 acres) |
| Lot Dimensions | 150 ft deep x 90.4 ft wide |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 92 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 23 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 12 |
| Legal Subdivision | THE HOLLAND LAND COMPANYS SURVEY |
| Legal Block | 2 |
| Legal Lot Number | 12.000 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 14206 |
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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 23 SPRUCELAND TER, LANCASTER, NY 14086-3419 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 2, 2021 | Deed of Trust, Mortgage · Line of Credit BUFFALO METROPOLITAN FCU |
| Jan 26, 2023 | Deed of Trust, Mortgage · Line of Credit BUFFALO METROPOLITAN FCU |
| Jan 28, 2021 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL NETWORK INC |
| Apr 18, 2019 | Deed of Trust, Mortgage · Line of Credit BUFFALO METROPOLITAN FCU |
| Feb 13, 2017 | Deed, Transfer · FHA Mortgage HUNT MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 13, 2017 · Amount on Record |
| Deed Sale | Feb 13, 2017 · Amount on Record |
| Deed Document Number | 20172017031114 |
| Deed Book / Page | 11309 / 3074 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 23 SPRUCELAND TER, LANCASTER, NY 14086-3419 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2024 |
| Name | Verified Name |
|---|---|
| Address | 23 SPRUCELAND TER, LANCASTER, NY 14086-3419 |
| Document Number | 0139826371 |
|---|---|
| Date | Mar 2, 2021 |
| Book Page | 13982/6371 |
| Instrument | 2021038832 |
| Name | BUFFALO METROPOLITAN FCU |
|---|---|
| Type | Credit Union |
| Address | BUFFALO, NY 14202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 1, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 23 SPRUCELAND TER, LANCASTER, NY 14086-3419 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2024 |
| Name | Verified Name |
|---|---|
| Address | 23 SPRUCELAND TER, LANCASTER, NY 14086-3419 |
| Document Number | 0140813088 |
|---|---|
| Date | Jan 26, 2023 |
| Book Page | 14081/3088 |
| Instrument | 2023014088 |
| Name | BUFFALO METROPOLITAN FCU |
|---|---|
| Type | Credit Union |
| Address | BUFFALO, NY 14202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 25, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 23 SPRUCELAND TER, LANCASTER, NY 14086-3419 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2021 |
| Name | Verified Name |
|---|---|
| Address | 23 SPRUCELAND TER, LANCASTER, NY 14086-3419 |
| Document Number | 0139771422 |
|---|---|
| Date | Jan 28, 2021 |
| Book Page | 13977/1422 |
| Instrument | 2021016908 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Address | BREA, CA 92821 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 23 SPRUCELAND TER, LANCASTER, NY 14086-3419 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0138934582 |
|---|---|
| Date | Apr 18, 2019 |
| Book Page | 13893/4582 |
| Instrument | 2019075558 |
| Name | BUFFALO METROPOLITAN FCU |
|---|---|
| Type | Credit Union |
| Address | BUFFALO, NY 14202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 17, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Feb 13, 2017 |
| Property Address | 23 SPRUCELAND TER, LANCASTER, NY 14086-3419 |
| Document Number | 0113093074 |
| Book / Page | 11309 / 3074 |
| Map Reference | MAP2542 |
| Instrument Date | Feb 13, 2017 |
| Instrument | 2017031114 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,118.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 23 SPRUCELAND TER, 23, LANCASTER, NY 14086-3419 |
| Name | Verified Name |
|---|---|
| Address | 17 CLOVERSIDE DR, LANCASTER, NY 14086-2907 |
| Document Number | 2017031115 |
|---|---|
| Date | Feb 13, 2017 |
| Instrument | 2017031115 |
| Name | HUNT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2047 |
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 | $9,487.00 (+115.42%) | ||
| 2025 | $4,404.00 (-51.76%) | $335,000 (-) Land $70,000 Building $265,000 | $523,438 (+12.49%) Land $109,375 Building $414,063 |
| 2024 | $9,130.00 | $335,000 (-) Land $70,000 Building $265,000 | $465,300 (+4.16%) Land $97,227 Building $368,073 |
| 2023 | $335,000 Land $70,000 Building $265,000 | $446,700 Land $93,340 Building $353,360 |
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 |
|---|---|
| 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.
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.
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 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 |
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