3494 Bowen Rd, Lancaster, NY 14086 Property Records

Erie County and Lancaster Town property record for 3494 Bowen Rd, Lancaster, NY 14086

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,562 sqft · built 1946
Lot Size	1.2 acres (52,272 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Jun 2026)
Tax Bill	$5,606 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Dec 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`145289 127.01-2-26`

Property Details

APN / Parcel Number

Primary APN	`145289 127.01-2-26`
Alternative APN	`52891270100002026000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,562 sqft Living Area
1st Floor Area	1,045 sqft
Upper Floors Area	517 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	52,272 sqft (1.2 acres)
Lot Width	130 ft Width
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	314 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	3494 BOWEN RD
City	LANCASTER
State	NY
Zip	14086-9649
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SC R 13O X 435.6
Legal Subdivision	BUFFALO CREEK RESERVATION
Legal Block	2
Legal Lot Number	26.000
Jurisdiction	ERIE NY
Township / Civil Division	LANCASTER
Census Block Group	4
Census Block	4006
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	3494 BOWEN RD, LANCASTER, NY 14086-9649
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2026	Warranty Deed, Transfer · Conventional Mortgage PREMIUM MORTGAGE CORPORATION
Dec 9, 2025	Intrafamily Transfer, Transfer
Jan 23, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2026 · Amount on Record
Deed Sale	Jun 12, 2026 · Amount on Record
Deed Document Number	20262026107862
Deed Book / Page	11462 / 729
Prior Transfer Date	Dec 9, 2025
Prior Transfer Doc	0114544394
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Jun 12, 2026
Property Address	3494 BOWEN RD, LANCASTER, NY 14086-9649
Document Number	0000107862
Book / Page	11462 / 729
Instrument Date	Jun 3, 2026
Instrument	2026107862
Transaction Type	Transfer
Record Updated	Oct 23, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$133,320.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3494 BOWEN RD, LANCASTER, NY 14086-9649

Mortgage

Date	Jun 12, 2026

Lender

Name	PREMIUM MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Max Rate	-1%

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ERIE NY
Recording Date	Dec 9, 2025
Property Address	3494 BOWEN RD, LANCASTER, NY 14086-9649
Document Number	0114544394
Book / Page	11454 / 4394
Instrument Date	Dec 9, 2025
Instrument	2025223318
Transaction Type	Transfer
Record Updated	Feb 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3494 BOWEN RD, LANCASTER, NY 14086-9649

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	11076 CARY RD, ALDEN, NY 14004-9594

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ERIE NY
Recording Date	Jan 23, 2017
Property Address	3494 BOWEN RD, LANCASTER, NY 14086-9649
Document Number	0113083356
Book / Page	011308 / 003356
Instrument Date	Jan 23, 2017
Transaction Type	Transfer
Record Updated	Aug 31, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11076 CARY RD ALDEN NY 140049594, ALDEN, NY 14004-9594

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	$5,606.00 (+2.15%) Homeowner's exemption Senior Citizen's exemption
2025	$5,488.00 (+2.01%)	$188,000 (-) Land $52,000 Building $136,000	$293,750 (+12.5%) Land $81,250 Building $212,500
2024	$5,380.00 Homeowner's exemption Senior Citizen's exemption	$188,000 (-) Land $52,000 Building $136,000	$261,100 (+4.15%) Land $72,219 Building $188,881
2023	Homeowner's exemption Senior Citizen's exemption	$188,000 Land $52,000 Building $136,000	$250,700 Land $69,343 Building $181,357

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

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

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

Wildfire Risk	Low lower than 94% of the US · lower than 93% 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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Greenlight Networks.

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