Erie County and Lancaster Town property record for 3 Stephens Ct, Lancaster, NY 14086
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 3,011 sqft · built 1965 |
| Lot Size | 0.438 acres (19,050 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $249,500 (Apr 2016) |
| Tax Bill | $3,070 (2025) |
| Deeds & Mortgages | Jan 2023 Line of Credit May 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 145203 115.36-2-18 |
| Primary APN | 145203 115.36-2-18 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 3,011 sqft Living Area |
| 1st Floor Area | 1,733 sqft |
| Upper Floors Area | 1,278 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Cape Cod |
| Exterior Material | Brick |
| Lot Area | 19,050 sqft (0.438 acres) |
| Lot Dimensions | 253 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
| Pool Area | 216 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3 STEPHENS CT |
|---|---|
| City | LANCASTER |
| State | NY |
| Zip | 14086-2631 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SC 7 2015 PT 20 75 X 253.86 |
| Legal Subdivision | HOLLAND LAND COMPANYS SURVEY |
| Legal Block | 2 |
| Legal Lot Number | 18.000 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 14300 |
Source: Erie County and Lancaster Town records, as of May 19, 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 | 3 STEPHENS CT, LANCASTER, NY 14086-2631 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jan 13, 2023 | Deed of Trust, Mortgage · Line of Credit CNB BANK |
| May 23, 2018 | Deed of Trust, Mortgage THE SUMMIT FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 28, 2016 · Amount on Record |
| Deed Sale | Apr 28, 2016 · Amount on Record |
| Prior Sale | Oct 26, 2012 · Amount on Record |
| Deed Document Number | 20162016085963 |
| Deed Book / Page | 11295 / 3067 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 3 STEPHENS CT, LANCASTER, NY 14086-2631 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0140802856 |
|---|---|
| Date | Jan 13, 2023 |
| Book Page | 14080/2856 |
| Instrument | 2023007611 |
| Name | CNB BANK |
|---|---|
| Type | Bank |
| Address | CLEARFIELD, PA 16830 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Oct 30, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 3 STEPHENS CT, LANCASTER, NY 14086-2631 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0138564447 |
|---|---|
| Date | May 23, 2018 |
| Book Page | 13856/4447 |
| Instrument | 2018101081 |
| Name | THE SUMMIT FCU |
|---|---|
| Type | Credit Union |
| Address | ROCHESTER, NY 14626 |
| Amount | Amount Recorded |
|---|---|
| Term | 121 Months |
| Due | Jun 1, 2028 |
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 |
| Municipality | Lancaster Village |
| Unified School District | Lancaster Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,070.00 (-68.19%) | $300,000 (-) Land $51,300 Building $248,700 | $468,750 (+12.49%) Land $80,156 Building $388,594 |
| 2024 | $9,652.00 | $300,000 (-) Land $51,300 Building $248,700 | $416,700 (+4.18%) Land $71,256 Building $345,444 |
| 2023 | $300,000 Land $51,300 Building $248,700 | $400,000 Land $68,400 Building $331,600 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
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 98% of the US · lower than 97.9% of New York |
|---|---|
| Wildfire Likelihood | Under 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 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 |
| 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 301 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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