Erie County and Lancaster Town property record for 45 Cowing St, Lancaster, NY 14086
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 2,596 sqft · built 1900 |
| Lot Size | 0.098 acres (4,270 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,697 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 145203 104.15-18-11 |
| Primary APN | 145203 104.15-18-11 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,596 sqft Total Area |
| 1st Floor Area | 1,298 sqft |
| 2nd Floor Area | 1,298 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,270 sqft (0.098 acres) |
| Lot Dimensions | 122 ft deep x 35 ft wide |
| Porch | Slab |
| Porch Area | 519 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 45 COWING ST |
|---|---|
| City | LANCASTER |
| State | NY |
| Zip | 14086 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | SC10 490 2O PTS46&45 35 X 122.1 |
| Legal Block | 18 |
| Legal Lot Number | 11.000 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 14400 |
45 Cowing St, a duplex, is owned by an individual.
Source: Erie County and Lancaster Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 40 WAYNE ST, DEPEW, NY 14043-3515 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 45 Cowing St was $4,697, up 147% from the year before.
Source: Erie County and Lancaster Town assessment roll, as of May 19, 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,697.00 (+146.95%) | ||
| 2025 | $1,902.00 (-57.77%) | $120,000 (-) Land $19,600 Building $100,400 | $187,500 (+12.48%) Land $30,625 Building $156,875 |
| 2024 | $4,504.00 | $120,000 (-) Land $19,600 Building $100,400 | $166,700 (+4.19%) Land $27,228 Building $139,472 |
| 2023 | $120,000 Land $19,600 Building $100,400 | $160,000 Land $26,133 Building $133,867 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Cowing St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 20, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 45 Cowing St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 349 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Greenlight Networks.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures