Erie County and Lancaster Town property record for 651 Schwartz Rd, Lancaster, NY 14086
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,606 sqft · built 2016 |
| Lot Size | 1.33 acres (57,935 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $10,229 (2026) |
| Deeds & Mortgages | Jan 2021 Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 145289 105.00-4-76.1 |
| Primary APN | 145289 105.00-4-76.1 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,606 sqft Living Area |
| 1st Floor Area | 1,402 sqft |
| 2nd Floor Area | 1,204 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 57,935 sqft (1.33 acres) |
| Lot Dimensions | 400 ft deep x 145 ft wide |
| Garage Type | Attached |
| Garage Area | 516 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 112 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 651 SCHWARTZ RD |
|---|---|
| City | LANCASTER |
| State | NY |
| Zip | 14086-9552 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR |
| Legal Subdivision | HOLLAND LAND COMPANYS SURVEY |
| Legal Block | 4 |
| Legal Lot Number | 76.100 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | LANCASTER |
| Census Block Group | 1 |
| Census Block | 1042 |
| Census Tract | 14204 |
651 Schwartz Rd is owned and occupied by an individual.
Source: Erie County and Lancaster Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 651 SCHWARTZ RD, LANCASTER, NY 14086-9552 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 651 SCHWARTZ RD, LANCASTER, NY 14086-9552 |
| Document Number | 0139765626 |
| Instrument Date | Jan 8, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2021 |
| Title Company | STEWART TITLE, STEWART TITLE INSURANCE CO |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 651 SCHWARTZ RD LANCASTER NY 140869552, LANCASTER, NY 14086-9552 |
| Document Number | 0139765626 |
|---|---|
| Date | Jan 26, 2021 |
| Book Page | 013976/005626 |
| Name | EVANS BK NA |
|---|---|
| Type | Bank |
| Address | WILLIAMSVILLE, NY 14221 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 25, 2036 |
The 2026 property tax bill for 651 Schwartz Rd was $10,229.
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 | $10,229.00 | ||
| 2025 | $381,000 (-) Land $53,300 Building $327,700 | $595,313 (+12.49%) Land $83,281 Building $512,032 | |
| 2024 | $9,882.00 | $381,000 (-) Land $53,300 Building $327,700 | $529,200 (+4.17%) Land $74,032 Building $455,168 |
| 2023 | $381,000 Land $53,300 Building $327,700 | $508,000 Land $71,067 Building $436,933 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 651 Schwartz Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective November 20, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 1 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 651 Schwartz 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 99.1% of the US · lower than 99.2% 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 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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