Erie County and Lancaster Town property record for 545 Lake Ave, Lancaster, NY 14086
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,010 sqft · built 2000 |
| Lot Size | 1.69 acres (73,616 sqft) |
| Owner | Individual Name on File |
| Last Sale | $29,000 (Aug 1998) |
| Tax Bill | $8,143 (2026) |
| Deeds & Mortgages | Jun 2022 Mortgage Apr 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 145289 126.08-1-13.1 |
| Primary APN | 145289 126.08-1-13.1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,010 sqft Living Area |
| 1st Floor Area | 2,010 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 73,616 sqft (1.69 acres) |
| Lot Dimensions | 554 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 545 LAKE AVE |
|---|---|
| City | LANCASTER |
| State | NY |
| Zip | 14086-9300 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SM#15 1999 SPLIT OFF 126.08-1-13 80-554 |
| Legal Subdivision | BUFFALO CREEK RESERVATION |
| Legal Block | 1 |
| Legal Lot Number | 13.100 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 14206 |
545 Lake Ave is owned and occupied by an individual who acquired it in May 2022.
Source: Erie County and Lancaster Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 545 LAKE AVE, LANCASTER, NY 14086-9300 |
| 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.
| Date | Document |
|---|---|
| Jun 30, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage M & T BANK |
| Apr 11, 2017 | Deed of Trust, Mortgage · Conventional Mortgage M & T BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 26, 1998 · Amount on File |
| Deed Sale | Aug 26, 1998 · Amount on File |
| Deed Book / Page | 10937 / 9213 |
| Last Transfer Date | May 2, 2022 |
| Transfer Doc | 0114041191 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Jun 30, 2022 |
| Property Address | 545 LAKE AVE, LANCASTER, NY 14086-9300 |
| Document Number | 0114041191 |
| Book / Page | 11404 / 1191 |
| Instrument Date | May 2, 2022 |
| Instrument | 2022125117 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 545 LAKE AVE, 545, LANCASTER, NY 14086-9300 |
| Name | Verified Name |
|---|---|
| Address | 545 LAKE AVE, LANCASTER, NY 14086-9300 |
| Document Number | 0140582359 |
|---|---|
| Date | Jun 30, 2022 |
| Instrument | 14058/2359 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Type Change Date | Jul 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 9.37% |
| Index | Other |
| Margin | 3 |
| Max Rate | 9.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 545 LAKE AVE, LANCASTER, NY 14086-9300 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0138076820 |
|---|---|
| Date | Apr 11, 2017 |
| Book Page | 13807/6820 |
| Instrument | 2017072877 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2032 |
The 2026 property tax bill for 545 Lake Ave was $8,143 with a homeowner's exemption, up 2% from the year before.
Source: Erie County and Lancaster Town assessment roll, as of May 19, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Erie County |
| County Subdivision | Lancaster Town |
| Unified School District | Lancaster Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,143.00 (+1.98%) Homeowner's exemption | ||
| 2025 | $7,985.00 (+1.97%) | $285,000 (-) Land $56,900 Building $228,100 | $445,313 (+12.51%) Land $88,906 Building $356,407 |
| 2024 | $7,831.00 Homeowner's exemption | $285,000 (-) Land $56,900 Building $228,100 | $395,800 (+4.16%) Land $79,021 Building $316,779 |
| 2023 | Homeowner's exemption | $285,000 Land $56,900 Building $228,100 | $380,000 Land $75,867 Building $304,133 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 545 Lake Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1983.
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 (1983–1989) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | May 1989 · river or lake flooding |
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 risk around 545 Lake Ave 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 94% of the US · lower than 93% of New York |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 300 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 · Fiber in parts of the area | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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