400 Central Ave, Lancaster, NY 14086 Property Records

Erie County and Lancaster Town property record for 400 Central Ave, Lancaster, NY 14086

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 946 sqft · built 1954
Lot Size	0.327 acres (14,200 sqft)
Owner	Individual Name on File
Last Sale	$208,000 (Sep 2023)
Tax Bill	$3,953 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`145289 104.07-5-28`

Property Details

APN / Parcel Number

Primary APN	`145289 104.07-5-28`
Alternative APN	`52891040700005028000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	946 sqft Living Area
1st Floor Area	946 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	14,200 sqft (0.327 acres)
Lot Dimensions	284 ft deep x 50 ft wide
Porch	Slab
Porch Area	98 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	400 CENTRAL AVE
City	LANCASTER
State	NY
Zip	14086-1228
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SC11 1333 PT 1 5O X 284.6
Legal Subdivision	HOLLAND LAND COMPANYS SURVEY
Legal Block	5
Legal Lot Number	28.000
Jurisdiction	ERIE NY
Township / Civil Division	LANCASTER
Census Block Group	2
Census Block	2013
Census Tract	14209

Owner

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

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

Owner of Record	Individual Name on File
Mailing Address	400 CENTRAL AVE, LANCASTER, NY 14086-1228
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2023 · Amount on File
Deed Sale	Sep 8, 2023 · Amount on File
Deed Document Number	20232023154738
Deed Book / Page	11421 / 6160
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Sep 8, 2023
Property Address	400 CENTRAL AVE, LANCASTER, NY 14086-1228
Document Number	0114216160
Book / Page	11421 / 6160
Instrument Date	Aug 14, 2023
Instrument	2023154738
Transaction Type	Transfer
Record Updated	Oct 20, 2023
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$832.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 CENTRAL AVE, LANCASTER, NY 14086-1228

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	141 DAVID AVE, BUFFALO, NY 14225-4029

Mortgage

Document Number	0141030098
Date	Sep 8, 2023
Book Page	14103/98
Instrument	2023154739

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

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	$3,953.00 (+40.58%)
2025	$2,812.00 (-9.96%)	$129,000 (-) Land $26,500 Building $102,500	$201,563 (+12.48%) Land $41,406 Building $160,157
2024	$3,123.00	$129,000 (-) Land $26,500 Building $102,500	$179,200 (+4.19%) Land $36,812 Building $142,388
2023	Homeowner's exemption Senior Citizen's exemption	$129,000 (-) Land $26,500 Building $102,500	$172,000 (+15.98%) Land $35,333 Building $136,667
2022		$129,000 Land $26,500 Building $102,500	$148,300 Land $30,465 Building $117,835

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 · 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.

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	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.

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

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20