48 Gale Dr, Lancaster, NY 14086 Property Records

Erie County and Lancaster Town property record for 48 Gale Dr, Lancaster, NY 14086

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,348 sqft · built 1990
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$232,000 (Jan 2017)
Tax Bill	$6,783 (2026)
Deeds & Mortgages	Jun 2023 Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`145289 116.05-4-36`

Property Details

APN / Parcel Number

Primary APN	`145289 116.05-4-36`
Alternative APN	`52891160500004036000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,348 sqft Living Area
1st Floor Area	672 sqft
2nd Floor Area	676 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	320 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	50 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	48 GALE DR
City	LANCASTER
State	NY
Zip	14086-2345
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	MC 2491 SL 36
Legal Subdivision	PLUMB ESTATES SOUTH
Legal Block	4
Legal Lot Number	36.000
Jurisdiction	ERIE NY
Township / Civil Division	LANCASTER
Census Block Group	2
Census Block	2008
Census Tract	14204

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	48 GALE DR, LANCASTER, NY 14086-2345
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2023	Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Jul 15, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jul 15, 2019	Loan Modification, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2017 · Amount on Record
Deed Sale	Jan 17, 2017 · Amount on Record
Prior Sale	May 21, 2008 · Amount on Record
Deed Document Number	201711441
Deed Book / Page	11308 / 0852
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	48 GALE DR, LANCASTER, NY 14086-2345
Transaction Type	Mortgage
Record Updated	Apr 2, 2024
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 GALE DR, LANCASTER, NY 14086-2345

Mortgage

Document Number	0140930786
Date	Jun 7, 2023
Book Page	14093/786
Instrument	2023097150

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	314 Months
Due	Aug 1, 2049

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	48 GALE DR, LANCASTER, NY 14086-2345
Document Number	0139094114
Instrument Date	Jul 15, 2019
Transaction Type	Mortgage
Record Updated	Oct 9, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	48 GALE DR LANCASTER NY 140862345, LANCASTER, NY 14086-2345

Mortgage

Document Number	0139094114
Date	Sep 4, 2019
Book Page	013909/004114

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 3, 2049

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ERIE NY
Property Address	48 GALE DR, LANCASTER, NY 14086-2345
Document Number	0113573323
Instrument Date	Jul 15, 2019
Transaction Type	Mortgage
Record Updated	Mar 13, 2020
Title Company	SERVICELINK LOAN MOD SOLUTIONS, SERVICELINK LN MOD SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	48 GALE DR LANCASTER NY 140862345, LANCASTER, NY 14086-2345

Mortgage

Document Number	0113573323
Date	Feb 20, 2020
Book Page	011357/003323

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	TROY, MI 48098

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	4.5%

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	$6,783.00 (+110.65%)
2025	$3,220.00 (-50.58%)	$234,000 (-) Land $70,000 Building $164,000	$365,625 (+12.5%) Land $109,375 Building $256,250
2024	$6,516.00	$234,000 (-) Land $70,000 Building $164,000	$325,000 (+4.17%) Land $97,222 Building $227,778
2023		$234,000 Land $70,000 Building $164,000	$312,000 Land $93,333 Building $218,667

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1987–2017)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 2017 · 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	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.

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 333 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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