78 Carter St, Lancaster, NY 14086 Property Records

Erie County and Lancaster Town property record for 78 Carter St, Lancaster, NY 14086

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,380 sqft · built 1955
Lot Size	0.272 acres (11,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (Nov 2020)
Tax Bill	$5,965 (2026)
Deeds & Mortgages	Nov 2020 Sale Jul 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`145203 104.15-14-9`

Property Details

APN / Parcel Number

Primary APN	`145203 104.15-14-9`
Alternative APN	`52031041500014009000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,380 sqft Living Area
1st Floor Area	1,380 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	11,800 sqft (0.272 acres)
Lot Dimensions	118 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	184 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	78 CARTER ST
City	LANCASTER
State	NY
Zip	14086-1833
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SC10 490 26 29 TO 27 1OO X 118
Legal Subdivision	HOLLAND LAND COMPANYS SURVEY
Legal Block	14
Legal Lot Number	9.000
Jurisdiction	ERIE NY
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1012
Census Tract	14400

Owner

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	78 CARTER ST, LANCASTER, NY 14086-1833
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2020	Warranty Deed, Transfer STEWART TITLE INSURANCE CO
Jul 17, 2020	Deed of Trust, Mortgage · Line of Credit BANK/BUFFALO
May 28, 2020	Grant Deed, Transfer YOUR TITLE EXPERTS
Apr 13, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2020 · Amount on Record
Deed Sale	Nov 2, 2020 · Amount on Record
Prior Sale	May 28, 2020 · Amount on Record
Deed Document Number	20202020186507
Deed Book / Page	11368 / 7919
Record Updated	Oct 29, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Nov 2, 2020
Property Address	78 CARTER ST, LANCASTER, NY 14086-1833
Document Number	0113687919
Book / Page	11368 / 7919
Map Reference	DOC 490
Instrument Date	Oct 22, 2020
Instrument	2020186507
Transaction Type	Transfer
Record Updated	Aug 19, 2022
Title Company	STEWART TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Tax	$880.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5070 WILLIAM ST, 5070, LANCASTER, NY 14086-9664

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 CARTER ST, LANCASTER, NY 14086-1833

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	78 CARTER ST, LANCASTER, NY 14086-1833
Document Number	0139482983
Instrument Date	Jul 17, 2020
Transaction Type	Mortgage
Record Updated	Aug 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 CARTER ST LANCASTER NY 140861833, LANCASTER, NY 14086-1833

Mortgage

Document Number	0139482983
Date	Jul 23, 2020
Book Page	013948/002983

Lender

Name	BANK/BUFFALO
Type	Bank
Address	ORCHARD PARK, NY 14127

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jul 22, 2035

Interest

Rate Type	Adjustable Rate

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ERIE NY
Recording Date	May 28, 2020
Property Address	78 CARTER ST, LANCASTER, NY 14086-1833
Document Number	0113609245
Book / Page	011360 / 009245
Instrument Date	May 20, 2020
Transaction Type	Transfer
Record Updated	Jun 18, 2020
Title Company	YOUR TITLE EXPERTS

Transaction

Amount	Amount Recorded
Tax	$106.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5070 WILLIAM ST LANCASTER NY 140869664, LANCASTER, NY 14086-9664

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Apr 13, 2020
Property Address	78 CARTER ST, LANCASTER, NY 14086-1833
Document Number	0113591563
Book / Page	011359 / 001563
Instrument Date	Nov 25, 2019
Transaction Type	Transfer
Record Updated	Jun 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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
Municipality	Lancaster Village
Unified School District	Lancaster Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,965.00 (+203.41%)
2025	$1,966.00 (-66.09%)	$175,000 (-) Land $33,500 Building $141,500	$273,438 (+12.48%) Land $52,344 Building $221,094
2024	$5,798.00	$175,000 (-) Land $33,500 Building $141,500	$243,100 (+4.2%) Land $46,536 Building $196,564
2023		$175,000 Land $33,500 Building $141,500	$233,300 Land $44,660 Building $188,640

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 20, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 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

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

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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