Erie County and Lancaster Town property record for 6 Spruceland Ter, Lancaster, NY 14086
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,260 sqft · built 1989 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $405,000 (Feb 2023) |
| Tax Bill | $8,234 (2026) |
| Deeds & Mortgages | Sep 2025 Mortgage Feb 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 145289 126.11-2-86 |
| Primary APN | 145289 126.11-2-86 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,260 sqft Living Area |
| 1st Floor Area | 1,224 sqft |
| 2nd Floor Area | 1,036 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 14,375 sqft (0.33 acres) |
| Lot Dimensions | 161 ft deep x 90.6 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 54 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 6 SPRUCELAND TER |
|---|---|
| City | LANCASTER |
| State | NY |
| Zip | 14086-3417 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES |
| Legal Description | MC 2542 SL 86 |
| Legal Subdivision | BUFFALO CREEK RESERVATION |
| Legal Block | 2 |
| Legal Lot Number | 86.000 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 14206 |
Source: Erie County and Lancaster Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 6 SPRUCELAND TER, LANCASTER, NY 14086-3417 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 29, 2025 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Feb 24, 2023 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 24, 2023 · Amount on Record |
| Deed Sale | Feb 24, 2023 · Amount on Record |
| Prior Sale | Jul 16, 2012 · Amount on Record |
| Deed Document Number | 20232023033896 |
| Deed Book / Page | 11414 / 3722 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 6 SPRUCELAND TER, LANCASTER, NY 14086-3417 |
| Transaction Type | Mortgage |
| Record Updated | Nov 6, 2025 |
| Name | Verified Name |
|---|---|
| Address | 6 SPRUCELAND TER, LANCASTER, NY 14086-3417 |
| Document Number | 0141756474 |
|---|---|
| Date | Sep 29, 2025 |
| Book Page | 14175/6474 |
| Instrument | 2025177286 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Feb 24, 2023 |
| Property Address | 6 SPRUCELAND TER, LANCASTER, NY 14086-3417 |
| Document Number | 0114143722 |
| Book / Page | 11414 / 3722 |
| Instrument Date | Feb 21, 2023 |
| Instrument | 2023033896 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,620.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6 SPRUCELAND TER, LANCASTER, NY 14086-3417 |
| Name | Verified Name |
|---|---|
| Address | 183 CURTISS ST, BUFFALO, NY 14212-2226 |
| Document Number | 0140835513 |
|---|---|
| Date | Feb 24, 2023 |
| Book Page | 14083/5513 |
| Instrument | 2023033897 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2053 |
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 | $8,234.00 (+113.37%) | ||
| 2025 | $3,859.00 (-51.28%) | $288,000 (-) Land $70,000 Building $218,000 | $450,000 (+12.5%) Land $109,375 Building $340,625 |
| 2024 | $7,920.00 | $288,000 (-) Land $70,000 Building $218,000 | $400,000 (+4.17%) Land $97,222 Building $302,778 |
| 2023 | $288,000 Land $70,000 Building $218,000 | $384,000 Land $93,333 Building $290,667 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 95% 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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