415 Central Ave, Lancaster, NY 14086 Property Records

Erie County and Lancaster Town property record for 415 Central Ave, Lancaster, NY 14086

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,683 sqft · built 1962
Lot Size	0.212 acres (9,225 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Feb 2021)
Tax Bill	$4,938 (2026)
Deeds & Mortgages	Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`145289 104.07-6-37`

Property Details

APN / Parcel Number

Primary APN	`145289 104.07-6-37`
Alternative APN	`52891040700006037000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,683 sqft Living Area
1st Floor Area	1,044 sqft
Basement Area	639 sqft
Finished Basement	639 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	9,225 sqft (0.212 acres)
Lot Dimensions	123 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	268 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	415 CENTRAL AVE
City	LANCASTER
State	NY
Zip	14086-1227
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SC11 477 PT 8 6 7 75 X 123
Legal Subdivision	WALTER & ZURBRICK SUBDIVISION
Legal Block	6
Legal Lot Number	37.000
Jurisdiction	ERIE NY
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1015
Census Tract	14209

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	Individual Name on Record
Mailing Address	415 CENTRAL AVE, LANCASTER, NY 14086-1227
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 8, 2021 · Amount on Record
Deed Sale	Feb 8, 2021 · Amount on Record
Prior Sale	Mar 18, 2016 · Amount on Record
Deed Document Number	202123723
Deed Book / Page	11374 / 1240
Record Updated	Oct 29, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Feb 8, 2021
Property Address	415 CENTRAL AVE, LANCASTER, NY 14086-1227
Document Number	0113741240
Book / Page	11374 / 1240
Instrument Date	Jan 13, 2021
Instrument	2021023723
Transaction Type	Transfer
Record Updated	Apr 14, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	415 CENTRAL AVE, 415, LANCASTER, NY 14086-1227

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 CENTRAL AVE, LANCASTER, NY 14086-1227

Mortgage

Document Number	0139788752
Date	Feb 8, 2021
Book Page	13978/8752
Instrument	2021023724

Lender

Name	PREMIUM MORTGAGE CORP
Type	Mortgage Company
Address	ROCHESTER, NY 14618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

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	$4,938.00 (+104.56%)
2025	$2,414.00 (-48.99%)	$165,000 (-) Land $17,900 Building $147,100	$257,813 (+12.48%) Land $27,969 Building $229,844
2024	$4,732.00	$165,000 (-) Land $17,900 Building $147,100	$229,200 (+4.18%) Land $24,865 Building $204,335
2023		$165,000 Land $17,900 Building $147,100	$220,000 Land $23,867 Building $196,133

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	2 (1978–1979)
Most Recent Claim	Sep 1979 · 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