58 Carter St, Lancaster, NY 14086 Property Records

Erie County and Lancaster Town property record for 58 Carter St, Lancaster, NY 14086

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,209 sqft · built 1953
Lot Size	0.204 acres (8,850 sqft)
Owner	2 Individual Names on File
Last Sale	$212,000 (Aug 2023)
Tax Bill	$4,801 (2026)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`145203 104.15-14-5`

Property Details

APN / Parcel Number

Primary APN	`145203 104.15-14-5`
Alternative APN	`52031041500014005000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,209 sqft Living Area
1st Floor Area	825 sqft
2nd Floor Area	384 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	8,850 sqft (0.204 acres)
Lot Dimensions	118 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	294 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	58 CARTER ST
City	LANCASTER
State	NY
Zip	14086-1833
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SC10 490 26 37 36 75 X 118
Legal Subdivision	HOLLAND LAND COMPANYS SURVEY
Legal Block	14
Legal Lot Number	5.000
Jurisdiction	ERIE NY
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1012
Census Tract	14400

Owner

58 Carter St is owned and occupied by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	58 CARTER ST, LANCASTER, NY 14086-1833
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 2, 2023	Warranty Deed, Transfer · FHA Mortgage PREMIUM MORTGAGE CORP
Nov 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2023 · Amount on File
Deed Sale	Aug 2, 2023 · Amount on File
Prior Sale	Jun 20, 2003 · Amount on File
Deed Document Number	20232023132695
Deed Book / Page	11420 / 1852
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Aug 2, 2023
Property Address	58 CARTER ST, LANCASTER, NY 14086-1833
Document Number	0114201852
Book / Page	11420 / 1852
Instrument Date	Jul 31, 2023
Instrument	2023132695
Transaction Type	Transfer
Record Updated	Apr 5, 2024

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$848.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	58 CARTER ST, LANCASTER, NY 14086-1833

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	18 MATTHEWS DR, LANCASTER, NY 14086-1314

Mortgage

Document Number	0140991359
Date	Aug 2, 2023
Instrument	14099/1359

Lender

Name	PREMIUM MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Mortgage

Document Number	0140991371
Date	Aug 2, 2023
Book Page	14099/1371
Instrument	2023132697

Lender

Name	WEST SIDE NEIGHBORHOOD HOUSING SERVICES
Type	Non-Lending Institution
Address	BUFFALO, NY 14213

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Sep 1, 2033

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	58 CARTER ST, LANCASTER, NY 14086-1833
Document Number	0138801606
Instrument Date	Nov 15, 2018
Transaction Type	Mortgage
Record Updated	Jan 2, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	58 CARTER ST LANCASTER NY 140861833, LANCASTER, NY 14086-1833

Mortgage

Document Number	0138801606
Date	Dec 6, 2018
Book Page	013880/001606

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 5, 2038

Tax Assessment & Valuation

The 2026 property tax bill for 58 Carter St was $4,801, up 192.7% 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	$4,801.00 (+192.74%)
2025	$1,640.00 (-64.78%)	$138,000 (-) Land $30,200 Building $107,800	$215,625 (+12.48%) Land $47,187 Building $168,438
2024	$4,657.00	$138,000 (-) Land $30,200 Building $107,800	$191,700 (+4.18%) Land $41,952 Building $149,748
2023	Homeowner's exemption	$138,000 (-) Land $30,200 Building $107,800	$184,000 (+16.02%) Land $40,267 Building $143,733
2022		$138,000 Land $30,200 Building $107,800	$158,600 Land $34,708 Building $123,892

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

Flood

FEMA maps place 58 Carter St in Zone X, an area of minimal flood risk.

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

The area around 58 Carter St 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 462 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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