49 Bowen Ave, Lancaster, NY 14086 Property Records

Erie County and Lancaster Town property record for 49 Bowen Ave, Lancaster, NY 14086

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,152 sqft · built 1955
Lot Size	0.166 acres (7,200 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (Dec 2020)
Tax Bill	$4,738 (2026)
Deeds & Mortgages	Aug 2022 Second Mortgage Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`145203 115.25-1-17`

Property Details

APN / Parcel Number

Primary APN	`145203 115.25-1-17`
Alternative APN	`52031152500001017000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	768 sqft
Upper Floors Area	384 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Cape Cod
Exterior Material	Wood
Lot Area	7,200 sqft (0.166 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	49 BOWEN AVE
City	LANCASTER
State	NY
Zip	14086-2401
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SC10 1760 F 6O X 12O
Legal Subdivision	HOLLAND LAND COMPANYS SURVEY
Legal Block	1
Legal Lot Number	17.000
Jurisdiction	ERIE NY
Township / Civil Division	LANCASTER
Census Block Group	5
Census Block	5011
Census Tract	14300

Owner

49 Bowen Ave is owned and occupied by two individuals who bought it in December 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	49 BOWEN AVE, LANCASTER, NY 14086-2401
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NORTHWEST BANK
Dec 24, 2020	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
Jun 19, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 24, 2020 · Amount on File
Deed Sale	Dec 24, 2020 · Amount on File
Prior Sale	Jun 19, 2020 · Amount on File
Deed Document Number	2020222844
Deed Book / Page	11371 / 6971
Prior Transfer Date	Nov 9, 2020
Prior Transfer Doc	0113716971
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	49 BOWEN AVE, LANCASTER, NY 14086-2401
Transaction Type	Mortgage
Record Updated	Nov 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 BOWEN AVE, LANCASTER, NY 14086-2401

Mortgage

Document Number	0140635557
Date	Aug 11, 2022
Book Page	14063/5557
Instrument	2022153515

Lender

Name	NORTHWEST BANK
Type	Bank
Address	WARREN, PA 16365

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	119 Months
Due	Jul 28, 2032

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Dec 24, 2020
Property Address	49 BOWEN AVE, LANCASTER, NY 14086-2401
Document Number	0113716971
Book / Page	11371 / 6971
Map Reference	DOC 1760
Instrument Date	Nov 9, 2020
Instrument	2020222844
Transaction Type	Transfer
Record Updated	Apr 14, 2022
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$820.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11528 RENEE CT, 11528, MARILLA, NY 14102-9753

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	49 BOWEN AVE, LANCASTER, NY 14086-2401

Mortgage

Document Number	0139717803
Date	Dec 24, 2020
Instrument	13971/7803

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Jun 19, 2020
Property Address	49 BOWEN AVE, LANCASTER, NY 14086-2401
Document Number	0113618084
Book / Page	011361 / 008084
Instrument Date	Jun 18, 2020
Transaction Type	Transfer
Record Updated	Jul 8, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$177.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11528 RENEE CT MARILLA NY 141029753, MARILLA, NY 14102-9753

Tax Assessment & Valuation

The 2026 property tax bill for 49 Bowen Ave was $4,738, up 192.1% 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	$4,738.00 (+192.11%)
2025	$1,622.00 (-64.7%)	$136,000 (-) Land $33,100 Building $102,900	$212,500 (+12.49%) Land $51,719 Building $160,781
2024	$4,595.00	$136,000 (-) Land $33,100 Building $102,900	$188,900 (+4.19%) Land $45,975 Building $142,925
2023		$136,000 Land $33,100 Building $102,900	$181,300 Land $44,125 Building $137,175

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

Flood

FEMA maps place 49 Bowen Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1980.

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 (1980–1985)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 1985 · 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

The area around 49 Bowen Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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 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.

Nearby Properties on Bowen Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures