38 Cardinal Ct, Lancaster, NY 14086 Property Records

Erie County and Lancaster Town property record for 38 Cardinal Ct, Lancaster, NY 14086

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,413 sqft · built 1990
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Nov 2021)
Tax Bill	$8,354 (2026)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`145289 126.11-2-67`

Property Details

APN / Parcel Number

Primary APN	`145289 126.11-2-67`
Alternative APN	`52891261100002067000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,413 sqft Living Area
1st Floor Area	1,300 sqft
2nd Floor Area	1,113 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	18,731 sqft (0.43 acres)
Lot Dimensions	162 ft deep x 51.1 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	54 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	38 CARDINAL CT
City	LANCASTER
State	NY
Zip	14086-3402
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	MC 2542 SL 67
Legal Subdivision	PINE TREE FARM
Legal Block	2
Legal Lot Number	67.000
Jurisdiction	ERIE NY
Township / Civil Division	LANCASTER
Census Block Group	3
Census Block	3017
Census Tract	14206

Owner

38 Cardinal Ct is owned and occupied by two individuals who bought it in November 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	38 CARDINAL CT, LANCASTER, NY 14086-3402
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2021 · Amount on File
Deed Sale	Nov 8, 2021 · Amount on File
Deed Document Number	20212021223147
Deed Book / Page	11390 / 6373
Record Updated	Oct 29, 2026

November 2021: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	ERIE NY
Recording Date	Nov 8, 2021
Property Address	38 CARDINAL CT, LANCASTER, NY 14086-3402
Document Number	0113906373
Book / Page	11390 / 6373
Map Reference	DOC 2542
Instrument Date	Oct 26, 2021
Instrument	2021223147
Transaction Type	Transfer
Record Updated	Apr 2, 2024
Title Company	NOT AVAILABLE, AAC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	38 CARDINAL CT, LANCASTER, NY 14086-3402

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 AIRVIEW TER, DEPEW, NY 14043-1529

Mortgage

Document Number	0140244362
Date	Nov 8, 2021
Instrument	14024/4362

Lender

Name	PREMIUM MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 38 Cardinal Ct was $8,354, up 114.9% from the year before.

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	$8,354.00 (+114.87%)
2025	$3,888.00 (-51.61%)	$294,000 (-) Land $70,000 Building $224,000	$459,375 (+12.51%) Land $109,375 Building $350,000
2024	$8,034.00	$294,000 (-) Land $70,000 Building $224,000	$408,300 (+4.16%) Land $97,214 Building $311,086
2023		$294,000 Land $70,000 Building $224,000	$392,000 Land $93,333 Building $298,667

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 38 Cardinal Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 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.

Wildfire

Wildfire risk around 38 Cardinal Ct is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 95% 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 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