41 Central Ave, Lancaster, NY 14086 Property Records

Erie County and Lancaster Town property record for 41 Central Ave, Lancaster, NY 14086

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	5,372 sqft · built 1920
Lot Size	0.23 acres (10,019 sqft)
Owner	Company Name on Record
Last Sale	$240,000 (Jan 2019)
Tax Bill	$11,550 (2026)
Deeds & Mortgages	Aug 2019 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`145203 104.74-3-4`

Property Details

APN / Parcel Number

Primary APN	`145203 104.74-3-4`
Alternative APN	`52031047400003004000`

Interior

Stories	2 Stories
Building Area	5,372 sqft Gross Area
Basement Area	1,739 sqft
Unfinished Basement	1,739 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1995
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	195 ft deep x 51 ft wide

Utilities, Heating & Cooling

Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	41 CENTRAL AVE
City	LANCASTER
State	NY
Zip	14086-2143
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Legal Description	SC10 51 X 362.7
Legal Subdivision	HOLLAND LAND COMPANYS SURVEY
Legal Block	3
Legal Lot Number	4.000
Jurisdiction	ERIE NY
Township / Civil Division	LANCASTER
Census Block Group	3
Census Block	3019
Census Tract	14400

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	Company Name on Record
Mailing Address	11 WORTHINGTON LN, LANCASTER, NY 14086-9391
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2019	Deed of Trust, Mortgage GARY M & KAREN A SCHAFF
Jan 2, 2019	Warranty Deed, Transfer GARY M & KAREN A H SCHAFF

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 2, 2019 · Amount on Record
Deed Sale	Jan 2, 2019 · Amount on Record
Deed Document Number	20191181
Deed Book / Page	11339 / 4115
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	41 CENTRAL AVE, LANCASTER, NY 14086-2143
Document Number	0139100670
Instrument Date	Aug 30, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	41 CENTRAL AVE LANCASTER NY 140862143, LANCASTER, NY 14086-2143

Mortgage

Document Number	0139100670
Date	Sep 9, 2019
Book Page	013910/000670

Lender

Name	GARY M & KAREN A SCHAFF
Address	33 CENTRAL AVE, LANCASTER, NY 14086-2143

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Sep 8, 2039

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Jan 2, 2019
Property Address	41 CENTRAL AVE, LANCASTER, NY 14086-2143
Document Number	0113394115
Book / Page	011339 / 004115
Instrument Date	Dec 12, 2018
Transaction Type	Transfer
Record Updated	Jan 18, 2019

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	41 CENTRAL AVE LANCASTER NY 140862143, LANCASTER, NY 14086-2143

Mortgage

Document Number	138832834
Date	Jan 2, 2019
Book Page	013883/002834

Lender

Name	GARY M & KAREN A H SCHAFF
Address	33 CENTRAL AVE, LANCASTER, NY 14086-2143
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2039

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
Municipality	Lancaster Village
Unified School District	Lancaster Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,550.00 (+152.4%)
2025	$4,576.00 (-57.86%)	$300,000 (-) Land $36,000 Building $264,000	$468,750 (+12.49%) Land $56,250 Building $412,500
2024	$10,859.00	$300,000 (-) Land $36,000 Building $264,000	$416,700 (+4.18%) Land $50,004 Building $366,696
2023		$300,000 Land $36,000 Building $264,000	$400,000 Land $48,000 Building $352,000

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	2 (1996–2004)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2004 · other causes

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	Not rated no burnable land within 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 DIRECT public/private · serves 313,380 people · EPA ID NY1400443
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	6 ppb (2025) 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 517 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Greenlight Networks, Verizon.

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