5 Cambridge Ct, Lancaster, NY 14086 Property Records

Erie County and Lancaster Town property record for 5 Cambridge Ct, Lancaster, NY 14086

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,893 sqft · built 1999
Lot Size	0.79 acres (34,412 sqft)
Owner	2 Individual Names on File
Last Sale	$510,000 (Oct 2024)
Tax Bill	$7,086 (2026)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`145289 126.12-3-39`

Property Details

APN / Parcel Number

Primary APN	`145289 126.12-3-39`
Alternative APN	`52891261200003039000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,893 sqft Living Area
1st Floor Area	1,424 sqft
2nd Floor Area	469 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	34,412 sqft (0.79 acres)
Lot Dimensions	387 ft deep x 77.6 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5 CAMBRIDGE CT
City	LANCASTER
State	NY
Zip	14086-9355
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	MC 2774 SL 39
Legal Subdivision	BUFFALO CREEK RESERVATION
Legal Block	3
Legal Lot Number	39.000
Jurisdiction	ERIE NY
Township / Civil Division	LANCASTER
Census Block Group	4
Census Block	4010
Census Tract	14206

Owner

5 Cambridge Ct is owned and occupied by two individuals who bought it in October 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	5 CAMBRIDGE CT, LANCASTER, NY 14086-9355
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2024 · Amount on File
Deed Sale	Oct 23, 2024 · Amount on File
Prior Sale	Mar 5, 2021 · Amount on File
Deed Document Number	20242024182036
Deed Book / Page	11437 / 5906
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Mar 5, 2021
Property Address	5 CAMBRIDGE CT, LANCASTER, NY 14086-9355
Document Number	0113758423
Book / Page	11375 / 8423
Instrument Date	Mar 2, 2021
Instrument	2021042140
Transaction Type	Transfer
Record Updated	Aug 19, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,628.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 CAMBRIDGE CT, 5, LANCASTER, NY 14086-9355

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 CAMBRIDGE CT, LANCASTER, NY 14086-9355

Mortgage

Document Number	0139834174
Date	Mar 5, 2021
Book Page	13983/4174
Instrument	2021042141

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 5 Cambridge Ct was $7,086 with exemptions applied, down 22.2% 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
Unified School District	Lancaster Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,086.00 (-22.17%) Disabled Person's exemption Veteran's exemption
2025	$9,104.00 (+60.08%)	$278,000 (-) Land $70,000 Building $208,000	$434,375 (+12.5%) Land $109,375 Building $325,000
2024	$5,687.00 Disabled Person's exemption Veteran's exemption	$278,000 (-) Land $70,000 Building $208,000	$386,100 (+4.15%) Land $97,219 Building $288,881
2023	Disabled Person's exemption Veteran's exemption	$278,000 Land $70,000 Building $208,000	$370,700 Land $93,342 Building $277,358

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

Flood

FEMA maps place 5 Cambridge Ct in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective November 20, 2024

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	688.0 ft
Flood Insurance Requirement	Required federally backed loans

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

Wildfire

Wildfire risk around 5 Cambridge Ct is low, with 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 95% of the US · lower than 94% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20