Erie County and Lancaster Town property record for 4 Ryan St, Lancaster, NY 14086
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,728 sqft · built 1999 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $192,000 (Feb 2011) |
| Tax Bill | $7,263 (2026) |
| Deeds & Mortgages | Jul 2020 Mortgage Jun 2020 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 145289 115.20-4-22 |
| Primary APN | 145289 115.20-4-22 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,728 sqft Living Area |
| 1st Floor Area | 828 sqft |
| 2nd Floor Area | 900 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 152 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 4 RYAN ST |
|---|---|
| City | LANCASTER |
| State | NY |
| Zip | 14086-9446 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR |
| Legal Description | MC 2784 SL22 |
| Legal Subdivision | BUFFALO CREEK RESERVATION |
| Legal Block | 4 |
| Legal Lot Number | 22.000 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 14206 |
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 | 4 RYAN ST, LANCASTER, NY 14086-9446 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage M & T BANK |
| Jun 26, 2020 | Loan Modification, Mortgage · Conventional Mortgage M&T BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 7, 2011 · Amount on Record |
| Deed Sale | Feb 7, 2011 · Amount on Record |
| Prior Sale | May 4, 1999 · Amount on Record |
| Deed Document Number | 201127188 |
| Deed Book / Page | 11197 / 9022 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 4 RYAN ST, LANCASTER, NY 14086-9446 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0139459344 |
|---|---|
| Date | Jul 7, 2020 |
| Book Page | 13945/9344 |
| Instrument | 2020108271 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 1, 2035 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 4 RYAN ST, LANCASTER, NY 14086-9446 |
| Document Number | 0113625065 |
| Instrument Date | Jun 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4 RYAN ST LANCASTER NY 140869446, LANCASTER, NY 14086-9446 |
| Document Number | 0113625065 |
|---|---|
| Date | Jul 7, 2020 |
| Book Page | 011362/005065 |
| Name | M&T BK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 6, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.12% |
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 |
|---|---|---|---|
| 2026 | $7,263.00 (+2.02%) Homeowner's exemption | ||
| 2025 | $7,119.00 (+1.99%) | $252,000 (-) Land $70,000 Building $182,000 | $393,750 (+12.5%) Land $109,375 Building $284,375 |
| 2024 | $6,980.00 Homeowner's exemption | $252,000 (-) Land $70,000 Building $182,000 | $350,000 (+4.17%) Land $97,222 Building $252,778 |
| 2023 | Homeowner's exemption | $252,000 Land $70,000 Building $182,000 | $336,000 Land $93,333 Building $242,667 |
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 | 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 94% 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.
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 325 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 | 300 / 20 |
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