656 Schwartz Rd, Lancaster, NY 14086 Property Records

Erie County and Lancaster Town property record for 656 Schwartz Rd, Lancaster, NY 14086

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,036 sqft · built 1963
Lot Size	0.92 acres (40,000 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Nov 2023)
Tax Bill	$4,302 (2026)
Deeds & Mortgages	Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`145289 105.00-4-41`

Property Details

APN / Parcel Number

Primary APN	`145289 105.00-4-41`
Alternative APN	`52891050000004041000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,036 sqft Living Area
1st Floor Area	1,036 sqft
Game Room	Game Room

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	40,000 sqft (0.92 acres)
Lot Dimensions	400 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	656 SCHWARTZ RD
City	LANCASTER
State	NY
Zip	14086-9508
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	SC 4 2185 3 1OO X 4OO
Legal Subdivision	HOLLAND LAND COMPANYS SURVEY
Legal Block	4
Legal Lot Number	41.000
Jurisdiction	ERIE NY
Township / Civil Division	LANCASTER
Census Block Group	3
Census Block	3007
Census Tract	14204

Owner

656 Schwartz Rd is owned and occupied by two individuals who bought it in November 2023.

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 File
Mailing Address	656 SCHWARTZ RD, LANCASTER, NY 14086-9508
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2023 · Amount on File
Deed Sale	Nov 21, 2023 · Amount on File
Prior Sale	Oct 7, 2014 · Amount on File
Deed Document Number	2023200112
Deed Book / Page	11424 / 7396
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Nov 21, 2023
Property Address	656 SCHWARTZ RD, LANCASTER, NY 14086-9508
Document Number	0114247396
Book / Page	11424 / 7396
Instrument Date	Nov 16, 2023
Instrument	2023200112
Transaction Type	Transfer
Record Updated	Apr 13, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	656 SCHWARTZ RD, LANCASTER, NY 14086-9508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 BUELL ST, AKRON, NY 14001-1304

Mortgage

Document Number	0141109704
Date	Nov 21, 2023
Instrument	14110/9704

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 656 Schwartz Rd was $4,302, up 121.9% 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
Unified School District	Lancaster Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,302.00 (+121.87%)
2025	$1,939.00 (-53.31%)	$156,000 (-) Land $49,100 Building $106,900	$243,750 (+12.48%) Land $76,719 Building $167,031
2024	$4,153.00	$156,000 (-) Land $49,100 Building $106,900	$216,700 (+4.18%) Land $68,205 Building $148,495
2023	Homeowner's exemption	$156,000 (-) Land $49,100 Building $106,900	$208,000 (+16.01%) Land $65,467 Building $142,533
2022		$156,000 Land $49,100 Building $106,900	$179,300 Land $56,434 Building $122,866

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

Flood

FEMA maps place 656 Schwartz Rd 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	4 (2014–2017)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Jul 2017 · 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.

Wildfire

Wildfire risk around 656 Schwartz Rd is low, with 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 94% of the US · lower than 91% 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.

Drinking Water

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

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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20