41 School St, Lancaster, NY 14086 Property Records

Erie County and Lancaster Town property record for 41 School St, Lancaster, NY 14086

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,824 sqft · built 1900
Lot Size	0.112 acres (4,880 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Apr 2026)
Tax Bill	$3,449 (2026)
Deeds & Mortgages	Mar 2021 Construction Loan Apr 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`145203 104.75-4-19`

Property Details

APN / Parcel Number

Primary APN	`145203 104.75-4-19`
Alternative APN	`52031047500004019000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,824 sqft Living Area
1st Floor Area	912 sqft
2nd Floor Area	912 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	4,880 sqft (0.112 acres)
Lot Dimensions	122 ft deep x 40.2 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	176 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	41 SCHOOL ST
City	LANCASTER
State	NY
Zip	14086-2214
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SC 7 798 16 40.2X 123
Legal Subdivision	HOLLAND LAND COMPANY S SURVEY
Legal Block	4
Legal Lot Number	19.000
Jurisdiction	ERIE NY
Township / Civil Division	LANCASTER
Census Block Group	3
Census Block	3016
Census Tract	14400

Owner

41 School St is owned by an individual who bought it in April 2026.

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	1571 POLAND HILL RD, ATTICA, NY 14011-9524
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2021	Deed of Trust, Mortgage · Construction Mortgage FIVE STAR BANK
Apr 7, 2026	Warranty Deed, Transfer · Conventional Mortgage M & T BANK NA
Mar 6, 2021	Warranty Deed, Transfer
Aug 17, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Feb 11, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2026 · Amount on File
Deed Sale	Apr 7, 2026 · Amount on File
Prior Sale	Feb 11, 2020 · Amount on File
Deed Document Number	20262026063528
Deed Book / Page	11459 / 2709
Prior Transfer Date	Jan 7, 2010
Prior Transfer Doc	0111766231
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	41 SCHOOL ST, LANCASTER, NY 14086-2214
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3418 DOLPHIN DR, BLASDELL, NY 14219-2256
Investor	Possibly a Property Investor

Mortgage

Document Number	0139836548
Date	Mar 6, 2021
Book Page	13983/6548
Instrument	2021042771

Lender

Name	FIVE STAR BANK
Type	Bank
Address	WARSAW, NY 14569

Agreement

Type	Construction Mortgage
Amount	Amount on Record

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Apr 7, 2026
Property Address	41 SCHOOL ST, LANCASTER, NY 14086-2214
Document Number	0114592709
Book / Page	11459 / 2709
Instrument Date	Mar 17, 2026
Instrument	202663528
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$113,120.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1571 POLAND HILL RD, ATTICA, NY 14011-9524

Mortgage

Date	Apr 7, 2026

Lender

Name	M & T BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Max Rate	-1%

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Mar 6, 2021
Property Address	41 SCHOOL ST, LANCASTER, NY 14086-2214
Document Number	0113759075
Book / Page	11375 / 9075
Instrument Date	Feb 26, 2021
Instrument	2021042770
Transaction Type	Transfer
Record Updated	Apr 14, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 PARKEDGE DR, 1, LANCASTER, NY 14086-9381

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3418 DOLPHIN DR, BLASDELL, NY 14219-2256

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Aug 17, 2020
Property Address	41 SCHOOL ST, LANCASTER, NY 14086-2214
Document Number	0113644938
Book / Page	011364 / 004938
Instrument Date	Aug 11, 2020
Transaction Type	Transfer
Record Updated	Sep 7, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1 PARKEDGE DR LANCASTER NY 140869381, LANCASTER, NY 14086-9381

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Feb 11, 2020
Property Address	41 SCHOOL ST, LANCASTER, NY 14086-2214
Document Number	0113568849
Book / Page	011356 / 008849
Instrument Date	Feb 7, 2020
Transaction Type	Transfer
Record Updated	Mar 9, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$90.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1 PARKEDGE DR LANCASTER NY 140869381, LANCASTER, NY 14086-9381

Tax Assessment & Valuation

The 2026 property tax bill for 41 School St was $3,449, up 173.7% 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
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	$3,449.00 (+173.73%)
2025	$1,260.00 (-62.17%)	$95,000 (-) Land $23,300 Building $71,700	$148,438 (+12.54%) Land $36,406 Building $112,032
2024	$3,331.00	$95,000 (-) Land $23,300 Building $71,700	$131,900 (+4.1%) Land $32,350 Building $99,550
2023		$95,000 Land $23,300 Building $71,700	$126,700 Land $31,075 Building $95,625

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 41 School St 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 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

The area around 41 School St has no burnable land within ember reach, so its wildfire risk is not rated.

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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