Erie County and Lancaster Town property record for 45 Hidden Trl, Lancaster, NY 14086
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,625 sqft · built 1992 |
| Lot Size | 0.31 acres (13,485 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $285,000 (Oct 2017) |
| Tax Bill | $8,936 (2026) |
| Deeds & Mortgages | Nov 2025 Second Mortgage Oct 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 145289 115.15-3-16 |
| Primary APN | 145289 115.15-3-16 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,625 sqft Living Area |
| 1st Floor Area | 1,437 sqft |
| 2nd Floor Area | 1,188 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 13,485 sqft (0.31 acres) |
| Lot Dimensions | 155 ft deep x 86.8 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 54 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 45 HIDDEN TRL |
|---|---|
| City | LANCASTER |
| State | NY |
| Zip | 14086-9685 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES |
| Legal Description | SL 16 |
| Legal Subdivision | BUFFALO CREEK RESERVATION |
| Legal Block | 3 |
| Legal Lot Number | 16.000 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 14206 |
45 Hidden Trl is owned and occupied by two individuals who bought it in October 2017.
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 HIDDEN TRL, LANCASTER, NY 14086-9685 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Nov 17, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Oct 3, 2017 | Warranty Deed, Transfer · FHA Mortgage FIRST INTERNET BK/IN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 3, 2017 · Amount on File |
| Deed Sale | Oct 3, 2017 · Amount on File |
| Deed Document Number | 20172017200101 |
| Deed Book / Page | 11319 / 6665 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 45 HIDDEN TRL, LANCASTER, NY 14086-9685 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 45 HIDDEN TRL, LANCASTER, NY 14086-9685 |
| Document Number | 0141811320 |
|---|---|
| Date | Nov 17, 2025 |
| Book Page | 14181/1320 |
| Instrument | 2025209781 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Nov 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Oct 3, 2017 |
| Property Address | 45 HIDDEN TRL, LANCASTER, NY 14086-9685 |
| Document Number | 0113196665 |
| Book / Page | 011319 / 006665 |
| Instrument Date | Sep 26, 2017 |
| Transaction Type | Transfer |
| Record Updated | Nov 30, 2017 |
| Title Company | BOX TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $285.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 36 LEONARD DR DEPEW NY 140432527, DEPEW, NY 14043-2527 |
| Document Number | 138300050 |
|---|---|
| Date | Oct 3, 2017 |
| Book Page | 013830/000050 |
| Name | FIRST INTERNET BK/IN |
|---|---|
| Type | Bank |
| Address | FISHERS, IN 46037 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 2, 2047 |
The 2026 property tax bill for 45 Hidden Trl was $8,936, up 109.9% 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 |
| Unified School District | Lancaster Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,936.00 (+109.91%) | ||
| 2025 | $4,257.00 (-51.07%) | $315,000 (-) Land $70,000 Building $245,000 | $492,188 (+12.5%) Land $109,375 Building $382,813 |
| 2024 | $8,701.00 | $315,000 (-) Land $70,000 Building $245,000 | $437,500 (+4.17%) Land $97,222 Building $340,278 |
| 2023 | $315,000 Land $70,000 Building $245,000 | $420,000 Land $93,333 Building $326,667 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Hidden Trl in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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 (1979) |
| Most Recent Claim | Apr 1979 · tidal / storm surge |
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 risk around 45 Hidden Trl 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 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.
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 |
| 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 378 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Greenlight Networks Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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