5098 William St, Lancaster, NY 14086 Property Records

Erie County and Lancaster Town property record for 5098 William St, Lancaster, NY 14086

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,480 sqft · built 1999
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$235,000 (May 2019)
Tax Bill	$6,520 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Jul 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`145289 115.16-1-27`

Property Details

APN / Parcel Number

Primary APN	`145289 115.16-1-27`
Alternative APN	`52891151600001027000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,480 sqft Living Area
1st Floor Area	840 sqft
2nd Floor Area	640 sqft
Game Room	Game Room

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	164 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	378 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5098 WILLIAM ST
City	LANCASTER
State	NY
Zip	14086-9664
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MC 2790 SL 4
Legal Subdivision	BUFFALO CREEK RESERVATION
Legal Block	1
Legal Lot Number	27.000
Jurisdiction	ERIE NY
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1000
Census Tract	14206

Owner

5098 William St is owned and occupied by an individual who bought it in May 2019.

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

Owner of Record	Individual Name on File
Mailing Address	5098 WILLIAM ST, LANCASTER, NY 14086-9664
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 6, 2026	Deed of Trust, Mortgage · VA Mortgage EMM LOANS LLC
Jul 13, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
May 6, 2019	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2019 · Amount on File
Deed Sale	May 6, 2019 · Amount on File
Prior Sale	Feb 5, 2016 · Amount on File
Deed Document Number	201986856
Deed Book / Page	11344 / 366
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Recording Date	Jul 6, 2026
Property Address	5098 WILLIAM ST, LANCASTER, NY 14086-9664
Document Number	0000121478
Book / Page	14203 / 8871
Instrument Date	Jun 25, 2026
Instrument	2026121478
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5098 WILLIAM ST, LANCASTER, NY 14086-9664

Mortgage

Document Number	0000121478,
Date	Jul 6, 2026
Book Page	14203/8871
Instrument	2026121478

Lender

Name	EMM LOANS LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Max Rate	-1%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	5098 WILLIAM ST, LANCASTER, NY 14086-9664
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0139466712
Date	Jul 13, 2020
Book Page	13946/6712
Instrument	2020111969

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Jun 29, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	May 6, 2019
Property Address	5098 WILLIAM ST, LANCASTER, NY 14086-9664
Document Number	0113440366
Book / Page	011344 / 000366
Instrument Date	May 2, 2019
Transaction Type	Transfer
Record Updated	May 23, 2019
Title Company	STEWART TITLE, STEWART TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$235.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 DARTWOOD DR CHEEKTOWAGA NY 142273120, CHEEKTOWAGA, NY 14227-3120

Mortgage

Document Number	138950204
Date	May 6, 2019
Book Page	013895/000204

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 5, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 5098 William St was $6,520 with a veteran's exemption, up 7.5% 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	$6,520.00 (+7.47%) Veteran's exemption
2025	$6,067.00 (+3.04%)	$235,000 (-) Land $25,000 Building $210,000	$367,188 (+12.5%) Land $39,063 Building $328,125
2024	$5,888.00 Veteran's exemption	$235,000 (-) Land $25,000 Building $210,000	$326,400 (+4.18%) Land $34,723 Building $291,677
2023	Veteran's exemption	$235,000 Land $25,000 Building $210,000	$313,300 Land $33,330 Building $279,970

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

Flood

FEMA maps place 5098 William St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.

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 (1979)
Most Recent Claim	Apr 1979 · 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

Wildfire risk around 5098 William St is low, with less than 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 97% of the US · lower than 96% 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 371 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

May also be available: T-Mobile.

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