25 Cobblestone Ct, Lancaster, NY 14086 Property Records

Erie County and Lancaster Town property record for 25 Cobblestone Ct, Lancaster, NY 14086

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,184 sqft · built 1996
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Jul 2026)
Tax Bill	$8,315 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`145289 116.14-3-38`

Property Details

APN / Parcel Number

Primary APN	`145289 116.14-3-38`
Alternative APN	`52891161400003038000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,184 sqft Living Area
1st Floor Area	1,104 sqft
2nd Floor Area	1,080 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	12,632 sqft (0.29 acres)
Lot Dimensions	191 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	531 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	84 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	25 COBBLESTONE CT
City	LANCASTER
State	NY
Zip	14086-9326
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	2000 KEYCHNG(HO) NEW# PER CNY MPPNG 116.14-3-38 SL135 PRIOR# 116.14-1-168
Legal Subdivision	BUFFALO CREEK RESERVATION
Legal Block	3
Legal Lot Number	38.000
Jurisdiction	ERIE NY
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1004
Census Tract	14206

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	28 LAKE AVE, LANCASTER, NY 14086-2600
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Sep 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 22, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AKRON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2026 · Amount on Record
Deed Sale	Jul 28, 2026 · Amount on Record
Prior Sale	Apr 11, 1996 · Amount on Record
Deed Document Number	2026137520
Deed Book / Page	11464 / 471
Prior Transfer Date	Jul 7, 2026
Prior Transfer Doc	0000137520
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Jul 28, 2026
Property Address	25 COBBLESTONE CT, LANCASTER, NY 14086-9326
Document Number	0000137520
Book / Page	11464 / 471
Instrument Date	Jul 7, 2026
Instrument	2026137520
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	CHICAGO LAND TITLE INSURANCE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$181,800.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	28 LAKE AVE, LANCASTER, NY 14086-2600

Mortgage

Date	Jul 28, 2026

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	25 COBBLESTONE CT, LANCASTER, NY 14086-9326
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 COBBLESTONE CT, LANCASTER, NY 14086-9326

Mortgage

Document Number	0140145614
Date	Sep 13, 2021
Book Page	14014/5614
Instrument	2021180861

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	LITTCARR, KY 41834

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	25 COBBLESTONE CT, LANCASTER, NY 14086-9326
Document Number	0138297594
Book / Page	013829 / 007594
Instrument Date	Sep 22, 2017
Transaction Type	Mortgage
Record Updated	Nov 13, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 COBBLESTONE CT LANCASTER NY 140869326, LANCASTER, NY 14086-9326

Mortgage

Document Number	0138297594
Date	Oct 2, 2017
Book Page	013829/007594

Lender

Name	BANK OF AKRON
Type	Bank
Address	AKRON, NY 14001

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$8,315.00 (+1.97%) Homeowner's exemption
2025	$8,154.00 (+1.96%)	$292,000 (-) Land $70,000 Building $222,000	$456,250 (+12.49%) Land $109,375 Building $346,875
2024	$7,997.00 Homeowner's exemption	$292,000 (-) Land $70,000 Building $222,000	$405,600 (+4.19%) Land $97,233 Building $308,367
2023	Homeowner's exemption	$292,000 Land $70,000 Building $222,000	$389,300 Land $93,325 Building $295,975

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1979)
Most Recent Claim	Apr 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 Risk	Low lower than 97% of the US · lower than 96% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct 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 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 105 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 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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