46 Saint John St, Lancaster, NY 14086 Property Records

Erie County and Lancaster Town property record for 46 Saint John St, Lancaster, NY 14086

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,262 sqft · built 1900
Lot Size	0.061 acres (2,660 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (Oct 2017)
Tax Bill	$3,753 (2026)
Deeds & Mortgages	Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`145203 104.19-3-4`

Property Details

APN / Parcel Number

Primary APN	`145203 104.19-3-4`
Alternative APN	`52031041900003004000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,262 sqft Total Area
1st Floor Area	1,131 sqft
2nd Floor Area	1,131 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	2,660 sqft (0.061 acres)
Lot Dimensions	76.2 ft deep x 35 ft wide
Porch	Slab
Porch Area	135 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	46 SAINT JOHN ST
City	LANCASTER
State	NY
Zip	14086-2010
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	SC10 35 X 68
Legal Subdivision	HOLLAND LAND COMPANYS SURVEY
Legal Block	3
Legal Lot Number	4.000
Jurisdiction	ERIE NY
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1027
Census Tract	14400

Owner

46 Saint John St, a duplex, is owned by an individual 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	Individual Name on File
Mailing Address	207 FOUR ROD RD, ALDEN, NY 14004-9413
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2017 · Amount on File
Deed Sale	Oct 13, 2017 · Amount on File
Deed Document Number	2017207603
Deed Book / Page	11320 / 908
Record Updated	Oct 29, 2026

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Oct 13, 2017
Property Address	46 SAINT JOHN ST, LANCASTER, NY 14086-2010
Document Number	0113200908
Book / Page	011320 / 000908
Instrument Date	Sep 22, 2017
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$80.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 FOUR ROD RD ALDEN NY 140049413, ALDEN, NY 14004-9413

Mortgage

Document Number	138311859
Date	Oct 13, 2017
Book Page	013831/001859

Lender

Name	KAREN A H SCHAFF
Address	33 CENTRAL AVE, LANCASTER, NY 14086-2143
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	Oct 12, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 46 Saint John St was $3,753, up 129.3% 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	$3,753.00 (+129.26%)
2025	$1,637.00 (-67.51%)	$90,000 (-) Land $9,000 Building $81,000	$140,625 (+12.5%) Land $14,062 Building $126,563
2024	$5,039.00	$90,000 (-) Land $9,000 Building $81,000	$125,000 (+4.17%) Land $12,500 Building $112,500
2023		$90,000 Land $9,000 Building $81,000	$120,000 Land $12,000 Building $108,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 46 Saint John 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

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 46 Saint John 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 98% of the US · lower than 97.9% 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 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 335 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
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: GoNetspeed.

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