Erie County and Lancaster Town property record for 65 Madison St, Lancaster, NY 14086
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,248 sqft · built 1955 |
| Lot Size | 0.166 acres (7,200 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $181,500 (May 2020) |
| Tax Bill | $4,627 (2026) |
| Deeds & Mortgages | Mar 2026 Line of Credit May 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 145203 115.07-9-10 |
| Primary APN | 145203 115.07-9-10 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,248 sqft Living Area |
| 1st Floor Area | 891 sqft |
| Upper Floors Area | 357 sqft |
| Game Room | Game Room |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,200 sqft (0.166 acres) |
| Lot Dimensions | 120 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 546 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 64 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 65 MADISON ST |
|---|---|
| City | LANCASTER |
| State | NY |
| Zip | 14086-2545 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SC10 592 87 86 6O X 12O |
| Legal Subdivision | THE HOLLAND LAND COMPANYS SURVEY |
| Legal Block | 9 |
| Legal Lot Number | 10.000 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 14300 |
65 Madison St is owned and occupied by two individuals who bought it in May 2020.
Source: Erie County and Lancaster Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 65 MADISON ST, LANCASTER, NY 14086-2545 |
| 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 |
|---|---|
| Mar 20, 2026 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| May 22, 2020 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 22, 2020 · Amount on File |
| Deed Sale | May 22, 2020 · Amount on File |
| Prior Sale | Jul 12, 2016 · Amount on File |
| Deed Document Number | 202084718 |
| Deed Book / Page | 11360 / 7133 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 65 MADISON ST, LANCASTER, NY 14086-2545 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 65 MADISON ST, LANCASTER, NY 14086-2545 |
| Document Number | 0141935385 |
|---|---|
| Date | Mar 20, 2026 |
| Book Page | 14193/5385 |
| Instrument | 2026052113 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | Apr 1, 2066 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | May 22, 2020 |
| Property Address | 65 MADISON ST, LANCASTER, NY 14086-2545 |
| Document Number | 0113607133 |
| Book / Page | 011360 / 007133 |
| Instrument Date | May 12, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2020 |
| Title Company | TITLE INSURANCE COMPANY, TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $182.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 294 LROQUIOS AVE LANCASTER NY 14086, LANCASTER, NY 14086 |
| Document Number | 139405313 |
|---|---|
| Date | May 22, 2020 |
| Book Page | 013940/005313 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 21, 2050 |
The 2026 property tax bill for 65 Madison St was $4,627 with exemptions applied, up 24.3% 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 |
| Municipality | Lancaster Village |
| Unified School District | Lancaster Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,627.00 (+24.28%) Disabled Person's exemption Veteran's exemption | ||
| 2025 | $3,723.00 (+26.03%) | $154,000 (-) Land $33,100 Building $120,900 | $240,625 (+12.49%) Land $51,719 Building $188,906 |
| 2024 | $2,954.00 Disabled Person's exemption Veteran's exemption | $154,000 (-) Land $33,100 Building $120,900 | $213,900 (+4.19%) Land $45,975 Building $167,925 |
| 2023 | Disabled Person's exemption Veteran's exemption | $154,000 Land $33,100 Building $120,900 | $205,300 Land $44,126 Building $161,174 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 65 Madison St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 Policies | 2 in force |
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 65 Madison St 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 96% of the US · lower than 95% 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 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 |
| 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 393 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 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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