Erie County and Lancaster Town property record for 46 Stephens Ct, Lancaster, NY 14086
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,825 sqft · built 1979 |
| Lot Size | 0.26 acres (11,284 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $232,000 (Apr 2006) |
| Tax Bill | $10,968 (2025) |
| Deeds & Mortgages | Nov 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 145203 115.28-4-21 |
| Primary APN | 145203 115.28-4-21 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,825 sqft Living Area |
| 1st Floor Area | 1,385 sqft |
| 2nd Floor Area | 440 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Contemporary |
| Exterior Material | Wood |
| Lot Area | 11,284 sqft (0.26 acres) |
| Lot Dimensions | 216 ft deep x 51.8 ft wide |
| Garage Type | Detached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 720 sqft |
| Shed | 1 Shed |
| Shed Area | 220 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 46 STEPHENS CT |
|---|---|
| City | LANCASTER |
| State | NY |
| Zip | 14086-2631 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SC 7 2015 8 51.8 X 216.9 |
| Legal Subdivision | STEPHENS COURT |
| Legal Block | 4 |
| Legal Lot Number | 21.000 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 14300 |
Source: Erie County and Lancaster Town records, as of May 19, 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 | 46 STEPHENS CT, LANCASTER, NY 14086-2631 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 24, 2006 · Amount on Record |
| Deed Sale | Apr 24, 2006 · Amount on Record |
| Prior Sale | Mar 1, 2004 · Amount on Record |
| Deed Document Number | 200691924 |
| Deed Book / Page | 11112 / 7135 |
| Prior Transfer Date | Jun 24, 2004 |
| Prior Transfer Doc | 0000000688 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 46 STEPHENS CT, LANCASTER, NY 14086-2631 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2023 |
| Name | Verified Name |
|---|---|
| Address | 46 STEPHENS CT, LANCASTER, NY 14086-2631 |
| Document Number | 0140736899 |
|---|---|
| Date | Nov 4, 2022 |
| Book Page | 14073/6899 |
| Instrument | 2022210826 |
| Name | CORNERSTONE COMMUNITY FCU |
|---|---|
| Type | Credit Union |
| Address | LOCKPORT, NY 14095 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Nov 3, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 |
|---|---|---|---|
| 2025 | $10,968.00 (-37.79%) | $300,000 (-) Land $42,600 Building $257,400 | $468,750 (+12.49%) Land $66,562 Building $402,188 |
| 2024 | $17,631.00 | $300,000 (-) Land $42,600 Building $257,400 | $416,700 (+4.18%) Land $59,171 Building $357,529 |
| 2023 | $300,000 Land $42,600 Building $257,400 | $400,000 Land $56,800 Building $343,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Policies | 2 in force |
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.
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.
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 301 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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