Erie County and Lancaster Town property record for 32 Summit St, Lancaster, NY 14086
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 900 sqft · built 1962 |
| Lot Size | 0.19 acres (8,260 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $146,000 (Mar 2020) |
| Tax Bill | $2,049 (2025) |
| Deeds & Mortgages | Nov 2022 Mortgage Jan 2021 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 145289 104.33-1-4 |
| Primary APN | 145289 104.33-1-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 900 sqft Living Area |
| 1st Floor Area | 900 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,260 sqft (0.19 acres) |
| Lot Dimensions | 118 ft deep x 70 ft wide |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 32 SUMMIT ST |
|---|---|
| City | LANCASTER |
| State | NY |
| Zip | 14086-1251 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SC11 470 PT 9 10 11 7O X 118 |
| Legal Subdivision | HOLLAD LAND COMPANY S SURVEY |
| Legal Block | 1 |
| Legal Lot Number | 4.000 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 14209 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 32 SUMMIT ST, LANCASTER, NY 14086-1251 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 2, 2022 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Jan 12, 2021 | Loan Modification, Mortgage · FHA Mortgage MR COOPER |
| Mar 10, 2020 | Warranty Deed, Transfer · FHA Mortgage MR COOPER |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 10, 2020 · Amount on Record |
| Deed Sale | Mar 10, 2020 · Amount on Record |
| Deed Document Number | 202055947 |
| Deed Book / Page | 11358 / 1791 |
| Prior Transfer Date | Jan 8, 2015 |
| Prior Transfer Doc | 0112746240 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 32 SUMMIT ST, LANCASTER, NY 14086-1251 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2023 |
| Name | Verified Name |
|---|---|
| Address | 32 SUMMIT ST, LANCASTER, NY 14086-1251 |
| Document Number | 0140732637 |
|---|---|
| Date | Nov 2, 2022 |
| Book Page | 14073/2637 |
| Instrument | 2022208236 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 338 Months |
| Due | Jan 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 32 SUMMIT ST, LANCASTER, NY 14086-1251 |
| Document Number | 0139769926 |
| Instrument Date | Jan 12, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 32 SUMMIT ST LANCASTER NY 140861251, LANCASTER, NY 14086-1251 |
| Document Number | 0139769926 |
|---|---|
| Date | Jan 28, 2021 |
| Book Page | 013976/009926 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 27, 2051 |
| Rate | 2.75% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Mar 10, 2020 |
| Property Address | 32 SUMMIT ST, LANCASTER, NY 14086-1251 |
| Document Number | 0000055948 |
| Book / Page | 011358 / 001791 |
| Instrument Date | Jan 21, 2020 |
| Instrument | 55948 |
| Transaction Type | Transfer |
| Record Updated | Mar 1, 2021 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $146.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 32 SUMMIT ST LANCASTER NY 140861251, LANCASTER, NY 14086-1251 |
| Document Number | 0000055948 |
|---|---|
| Date | Mar 10, 2020 |
| Book Page | 013932/009284 |
| Instrument | 55948 |
| Name | MR COOPER |
|---|---|
| Address | DALLAS, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 9, 2050 |
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 |
|---|---|---|---|
| 2025 | $2,049.00 (-47.84%) | $134,000 (-) Land $15,300 Building $118,700 | $209,375 (+12.51%) Land $23,906 Building $185,469 |
| 2024 | $3,928.00 | $134,000 (-) Land $15,300 Building $118,700 | $186,100 (+4.14%) Land $21,249 Building $164,851 |
| 2023 | $134,000 Land $15,300 Building $118,700 | $178,700 Land $20,404 Building $158,296 |
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 | 1 (1978) |
| Most Recent Claim | Feb 1978 · rainfall accumulation |
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 99.1% of the US · lower than 99.2% 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 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 481 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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