Erie County and Lancaster Town property record for 642 Aurora St, Lancaster, NY 14086
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,910 sqft · built 1863 |
| Lot Size | 0.89 acres (38,768 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $368,500 (Feb 2023) |
| Tax Bill | $5,573 (2026) |
| Deeds & Mortgages | Mar 2026 Mortgage Mar 2026 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 145289 126.07-3-12.12 |
| Primary APN | 145289 126.07-3-12.12 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,910 sqft Living Area |
| 1st Floor Area | 955 sqft |
| 2nd Floor Area | 955 sqft |
| Year Built | Built 1863 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 38,768 sqft (0.89 acres) |
| Lot Dimensions | 232 ft deep x 168 ft wide |
| Garage Type | Detached |
| Garage Area | 1,944 sqft |
| Parking Spaces | 8 Parking Spaces |
| Porch | Slab |
| Porch Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 642 AURORA ST |
|---|---|
| City | LANCASTER |
| State | NY |
| Zip | 14086-3209 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | HOLLAND LAND COMPANYS SURVEY |
| Legal Block | 3 |
| Legal Lot Number | 12.120 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 14206 |
Source: Erie County and Lancaster Town records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 642 AURORA ST, LANCASTER, NY 14086-3209 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 4, 2026 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Mar 5, 2026 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP |
| Feb 1, 2023 | Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 1, 2023 · Amount on Record |
| Deed Sale | Feb 1, 2023 · Amount on Record |
| Prior Sale | Aug 25, 2008 · Amount on Record |
| Deed Document Number | 202317910 |
| Deed Book / Page | 11413 / 6501 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 642 AURORA ST, LANCASTER, NY 14086-3209 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Title Company | REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO |
| Name | Verified Name |
|---|---|
| Address | 642 AURORA ST, LANCASTER, NY 14086-3209 |
| Document Number | 0141920509 |
|---|---|
| Date | Mar 4, 2026 |
| Book Page | 14192/509 |
| Instrument | 2026039610 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Apr 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 642 AURORA ST, LANCASTER, NY 14086-3209 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Title Company | REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO |
| Name | Verified Name |
|---|---|
| Address | 642 AURORA ST, LANCASTER, NY 14086-3209 |
| Document Number | 0114580336 |
|---|---|
| Date | Mar 5, 2026 |
| Book Page | 11458/336 |
| Instrument | 2026040184 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Apr 1, 2053 |
| Rate | 6.62% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Feb 1, 2023 |
| Property Address | 642 AURORA ST, LANCASTER, NY 14086-3209 |
| Document Number | 0114136501 |
| Book / Page | 11413 / 6501 |
| Instrument Date | Jan 27, 2023 |
| Instrument | 2023017910 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2023 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,474.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 642 AURORA ST, LANCASTER, NY 14086-3209 |
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 642 AURORA ST, LANCASTER, NY 14086-3209 |
| Document Number | 0140818908 |
|---|---|
| Date | Feb 1, 2023 |
| Instrument | 14081/8908 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 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 | $5,573.00 (+103.92%) | ||
| 2025 | $2,733.00 (-48.91%) | $186,000 (-) Land $48,900 Building $137,100 | $290,625 (+12.51%) Land $76,406 Building $214,219 |
| 2024 | $5,349.00 | $186,000 (-) Land $48,900 Building $137,100 | $258,300 (+4.15%) Land $67,908 Building $190,392 |
| 2023 | $186,000 Land $48,900 Building $137,100 | $248,000 Land $65,200 Building $182,800 |
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 |
|---|---|
| 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 94% of the US · lower than 93% of New York |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 364 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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