Erie County and Lancaster Town property record for 550 Pavement Rd, Lancaster, NY 14086
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,295 sqft · built 2020 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $565,000 (Jul 2026) |
| Tax Bill | $10,645 (2026) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Feb 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 145289 94.15-1-18 |
| Primary APN | 145289 94.15-1-18 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,295 sqft Living Area |
| 1st Floor Area | 1,106 sqft |
| 2nd Floor Area | 1,189 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 12,632 sqft (0.29 acres) |
| Lot Dimensions | 170 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 550 PAVEMENT RD |
|---|---|
| City | LANCASTER |
| State | NY |
| Zip | 14086-9718 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | CROSS CREEK SUBDIVISION |
| Legal Block | 1 |
| Legal Lot Number | 18.000 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 14208 |
550 Pavement Rd is owned and occupied by two individuals who bought it in July 2026.
Source: Erie County and Lancaster Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 550 PAVEMENT RD, LANCASTER, NY 14086-9718 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
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 |
|---|---|
| Jul 10, 2026 | Warranty Deed, Transfer · Conventional Mortgage PREMIUM MORTGAGE CORPORATION |
| Feb 23, 2022 | Warranty Deed, Transfer · Commercial Mortgage M & T BANK |
| Mar 31, 2021 | Deed, Transfer · Conventional Mortgage KEY BANK NA |
| Feb 3, 2020 | Bargain and Sale Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 10, 2026 · Amount on File |
| Deed Sale | Jul 10, 2026 · Amount on File |
| Prior Sale | Feb 23, 2022 · Amount on File |
| Deed Document Number | 20262026125195 |
| Deed Book / Page | 11463 / 2674 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Jul 10, 2026 |
| Property Address | 550 PAVEMENT RD, LANCASTER, NY 14086-9718 |
| Document Number | 0000125195 |
| Book / Page | 11463 / 2674 |
| Instrument Date | Jul 4, 2026 |
| Instrument | 2026125195 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $228,260.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 550 PAVEMENT RD, LANCASTER, NY 14086-9718 |
| Date | Jul 10, 2026 |
|---|
| Name | PREMIUM MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Feb 23, 2022 |
| Property Address | 550 PAVEMENT RD, LANCASTER, NY 14086-9718 |
| Document Number | 0113969319 |
| Book / Page | 11396 / 9319 |
| Instrument Date | Feb 20, 2022 |
| Instrument | 2022037207 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,804.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 550 PAVEMENT RD, LANCASTER, NY 14086-9718 |
| Name | Verified Name |
|---|---|
| Address | 155 CHARLESCREST CT, WEST SENECA, NY 14224-3809 |
| Document Number | 0140415807 |
|---|---|
| Date | Feb 23, 2022 |
| Instrument | 14041/5807 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Mar 31, 2021 |
| Property Address | 550 PAVEMENT RD, LANCASTER, NY 14086-9718 |
| Document Number | 0113774527 |
| Book / Page | 11377 / 4527 |
| Instrument Date | Mar 31, 2021 |
| Instrument | 2021061208 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,600.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8940 MAIN ST, CLARENCE, NY 14031-1959 |
| Name | Verified Name |
|---|---|
| Address | 754 PARK PL, NIAGARA FALLS, NY 14301-1028 |
| Document Number | 0139878300 |
|---|---|
| Date | Mar 31, 2021 |
| Book Page | 13987/8300 |
| Instrument | 2021061209 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Feb 3, 2020 |
| Property Address | 550 PAVEMENT RD, LANCASTER, NY 14086-9718 |
| Document Number | 0113565249 |
| Book / Page | 11356 / 5249 |
| Instrument Date | Feb 3, 2020 |
| Instrument | 2020026050 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8940 MAIN ST, 8940, CLARENCE, NY 14031-1959 |
| Name | Verified Name |
|---|---|
| Address | 8940 MAIN ST, CLARENCE, NY 14031-1959 |
| Investor | Possibly a Property Investor |
The 2026 property tax bill for 550 Pavement Rd was $10,645, up 117.2% 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 | $10,645.00 (+117.24%) | ||
| 2025 | $4,900.00 (-52.2%) | $379,000 (-) Land $50,000 Building $329,000 | $592,188 (+12.5%) Land $78,125 Building $514,063 |
| 2024 | $10,250.00 | $379,000 (-) Land $50,000 Building $329,000 | $526,400 (+4.18%) Land $69,446 Building $456,954 |
| 2023 | $379,000 Land $50,000 Building $329,000 | $505,300 Land $66,662 Building $438,638 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 550 Pavement Rd in Zone X, an area of minimal flood risk, though there have been 15 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 |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 15 (1979–2018) |
| Most Recent Claim | Nov 2018 · 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 risk around 550 Pavement Rd 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 95% of the US · lower than 94% 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.
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 186 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| 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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