471 Central Ave, Lancaster, NY 14086 Property Records

Erie County and Lancaster Town property record for 471 Central Ave, Lancaster, NY 14086

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 966 sqft · built 1959
Lot Size	0.264 acres (11,475 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Nov 2022)
Tax Bill	$4,357 (2026)
Deeds & Mortgages	Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`145289 93.19-5-33`

Property Details

APN / Parcel Number

Primary APN	`145289 93.19-5-33`
Alternative APN	`52890931900005033000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	966 sqft Living Area
1st Floor Area	966 sqft
Game Room	Game Room

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	11,475 sqft (0.264 acres)
Lot Dimensions	153 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	471 CENTRAL AVE
City	LANCASTER
State	NY
Zip	14086-1233
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SC11 2121 6 75 X 153
Legal Subdivision	HOLLAND LAND COMPANYS SURVEY
Legal Block	5
Legal Lot Number	33.000
Jurisdiction	ERIE NY
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1008
Census Tract	14209

Owner

Source: Erie County and Lancaster Town records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	471 CENTRAL AVE, LANCASTER, NY 14086-1233
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2022 · Amount on Record
Deed Sale	Nov 17, 2022 · Amount on Record
Deed Document Number	2022217263
Deed Book / Page	11410 / 6623
Record Updated	Oct 29, 2026

November 2022: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	ERIE NY
Recording Date	Nov 17, 2022
Property Address	471 CENTRAL AVE, LANCASTER, NY 14086-1233
Document Number	0114106623
Book / Page	11410 / 6623
Instrument Date	Oct 28, 2022
Instrument	2022217263
Transaction Type	Transfer
Record Updated	Feb 28, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	77 OLD POST RD, LANCASTER, NY 14086-3264

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	471 CENTRAL AVE, LANCASTER, NY 14086-1233

Mortgage

Document Number	0140747668
Date	Nov 17, 2022
Instrument	14074/7668

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.5%
Index	Other
Margin	3
Max Rate	10.5%

Tax Assessment & Valuation

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
Unified School District	Lancaster Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,357.00 (+103.88%)
2025	$2,137.00 (-58.37%)	$145,000 (-) Land $22,000 Building $123,000	$226,563 (+12.49%) Land $34,375 Building $192,188
2024	$5,133.00	$145,000 (-) Land $22,000 Building $123,000	$201,400 (+4.19%) Land $30,557 Building $170,843
2023		$145,000 Land $22,000 Building $123,000	$193,300 Land $29,328 Building $163,972

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

Flood

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 (1978–1979)
Most Recent Claim	Sep 1979 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 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

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 445 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20