82 Cotton St, Lancaster, NY 14086 Property Records

Erie County and Lancaster Town property record for 82 Cotton St, Lancaster, NY 14086

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,268 sqft · built 1960
Lot Size	0.145 acres (6,307 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Jun 2023)
Tax Bill	$4,407 (2026)
Deeds & Mortgages	Jun 2023 Sale Jan 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`145203 104.15-15-13`

Property Details

APN / Parcel Number

Primary APN	`145203 104.15-15-13`
Alternative APN	`52031041500015013000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,268 sqft Living Area
1st Floor Area	1,268 sqft
Game Room	Game Room

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	6,307 sqft (0.145 acres)
Lot Dimensions	118 ft deep x 53.3 ft wide
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	112 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	82 COTTON ST
City	LANCASTER
State	NY
Zip	14086-1837
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SC10 490 25 21PT 2O 53.3X 118
Legal Subdivision	HOLLAND LAND COMPANYS SURVEY
Legal Block	15
Legal Lot Number	13.000
Jurisdiction	ERIE NY
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1014
Census Tract	14400

Owner

82 Cotton St is owned and occupied by two individuals who bought it in June 2023.

Source: Erie County and Lancaster Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	82 COTTON ST, LANCASTER, NY 14086-1837
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2023	Warranty Deed, Transfer STEWART TITLE, STEWART TITLE INSURANCE CO
Jan 5, 2022	Warranty Deed, Transfer · FHA Mortgage GENESEE REGIONAL BANK
Nov 6, 2017	Deed, Transfer · Conventional Mortgage 1ST PRIORITY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2023 · Amount on File
Deed Sale	Jun 6, 2023 · Amount on File
Prior Sale	Jan 5, 2022 · Amount on File
Deed Document Number	202396324
Deed Book / Page	11417 / 9238
Prior Transfer Date	Oct 25, 2017
Prior Transfer Doc	0113211735
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Jun 6, 2023
Property Address	82 COTTON ST, LANCASTER, NY 14086-1837
Document Number	0114179238
Book / Page	11417 / 9238
Instrument Date	May 26, 2023
Instrument	2023096324
Transaction Type	Transfer
Record Updated	Jul 31, 2023
Title Company	STEWART TITLE, STEWART TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Tax	$1,060.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	82 COTTON ST, LANCASTER, NY 14086-1837

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	82 COTTON ST, LANCASTER, NY 14086-1837

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Jan 5, 2022
Property Address	82 COTTON ST, LANCASTER, NY 14086-1837
Document Number	0113940119
Book / Page	11394 / 119
Map Reference	DOC 490
Instrument Date	Dec 19, 2021
Instrument	2022001809
Transaction Type	Transfer
Record Updated	Mar 8, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$880.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	111 TIFFANY LN, 111, LANCASTER, NY 14086-9611

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	82 COTTON ST, LANCASTER, NY 14086-1837

Mortgage

Document Number	0140338098
Date	Jan 5, 2022
Instrument	14033/8098

Lender

Name	GENESEE REGIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

November 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ERIE NY
Recording Date	Nov 6, 2017
Property Address	82 COTTON ST, LANCASTER, NY 14086-1837
Document Number	0113211735
Book / Page	11321 / 1735
Map Reference	MAP490
Instrument Date	Oct 25, 2017
Instrument	2017224585
Transaction Type	Transfer
Record Updated	Apr 14, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9202 SWARNER DR, 9202, LENEXA, KS 66219-2205

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 HESS PL, LANCASTER, NY 14086-1326

Mortgage

Document Number	2017224586
Date	Nov 6, 2017
Instrument	2017224586

Lender

Name	1ST PRIORITY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 82 Cotton St was $4,407, up 194.2% 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
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	$4,407.00 (+194.19%)
2025	$1,498.00 (-64.94%)	$127,000 (-) Land $22,400 Building $104,600	$198,438 (+12.49%) Land $35,000 Building $163,438
2024	$4,273.00	$127,000 (-) Land $22,400 Building $104,600	$176,400 (+4.19%) Land $31,113 Building $145,287
2023		$127,000 (-) Land $22,400 Building $104,600	$169,300 (+15.96%) Land $29,861 Building $139,439
2022		$127,000 Land $22,400 Building $104,600	$146,000 Land $25,751 Building $120,249

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 82 Cotton St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 82 Cotton 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 98% of the US · lower than 97.9% 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.

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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