Erie County and Lancaster Town property record for 45 Banner Ave, Lancaster, NY 14086 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,134 sqft · built 1958 |
| Lot Size | 0.157 acres (6,804 sqft) |
| Owner | Individual Name on File |
| Last Sale | $110,200 (Aug 2013) |
| Tax Bill | $3,472 (2025) |
| Deeds & Mortgages | Jan 2024 Line of Credit May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 145203 104.16-9-30 |
| Primary APN | 145203 104.16-9-30 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,134 sqft Living Area |
| 1st Floor Area | 1,134 sqft |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 6,804 sqft (0.157 acres) |
| Lot Dimensions | 126 ft deep x 54 ft wide |
| Garage Type | Detached |
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 112 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 45 BANNER AVE |
|---|---|
| City | LANCASTER |
| State | NY |
| Zip | 14086-1901 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SC 7 503 33 PTS 31&35 54 X 124.2 |
| Legal Subdivision | HOLLAND LAND COMPANYS SURVEY |
| Legal Block | 9 |
| Legal Lot Number | 30.000 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 14400 |
Source: Erie County and Lancaster Town records · APN 145203 104.16-9-30
Assessment roll updated May 19, 2026 · Last verified May 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 File |
|---|---|
| Mailing Address | 45 BANNER AVE, LANCASTER, NY 14086-1901 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 05, 2024 | Deed of Trust, Mortgage · Line of Credit KEY BANK NA |
| May 29, 2020 | Deed of Trust, Mortgage · Conventional with PMI HOMESTEAD FNDG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 23, 2013 · Amount on Record |
| Deed Sale | Aug 23, 2013 · Amount on Record |
| Deed Document Number | 2013194869 |
| Deed Book / Page | 11251 / 9692 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 45 BANNER AVE, LANCASTER, NY 14086-1901 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2024 |
| Title Company | ACCURATE TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 45 BANNER AVE, LANCASTER, NY 14086-1901 |
| Document Number | 0141154594 |
|---|---|
| Date | Jan 05, 2024 |
| Book Page | 14115/4594 |
| Instrument | 2024003377 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 05, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 45 BANNER AVE, LANCASTER, NY 14086-1901 |
| Document Number | 0139421210 |
| Instrument Date | May 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2020 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 45 BANNER AVE LANCASTER NY 140861901, LANCASTER, NY 14086-1901 |
| Document Number | 0139421210 |
|---|---|
| Date | Jun 05, 2020 |
| Book Page | 013942/001210 |
| Name | HOMESTEAD FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | ALBANY, NY 12205 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 04, 2040 |
Source: Erie County and Lancaster Town records · Assessment roll updated May 19, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | New York |
| County | Erie County |
| County Subdivision | Lancaster Town |
| Municipality | Lancaster Village |
| Unified School District | Lancaster Central School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,472.00 (-21.27%) | $130,000 (-) Land $23,400 Building $106,600 | $203,125 (+12.47%) Land $36,562 Building $166,563 |
| 2024 | $4,410.00 Homeowner's exemption | $130,000 (-) Land $23,400 Building $106,600 | $180,600 (+4.21%) Land $32,508 Building $148,092 |
| 2023 | Homeowner's exemption | $130,000 Land $23,400 Building $106,600 | $173,300 Land $31,194 Building $142,106 |
Source: FEMA National Flood Hazard Layer, Erie County (36029C), updated November 20, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360290144003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 7 individual NFIP policies nearby |
| Nearby Flood Policies | 7 in force 6 of 7 on primary residences |
| Nearby Flood Claims | 2 (1996–2004) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Sep 2004, other causes |
| Wildfire Risk | Low above 1% of the US · above 1% of New York |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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