94 Elm Pl, Lancaster, NY 14086 Property Records

Erie County and Lancaster Town property record for 94 Elm Pl, Lancaster, NY 14086

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,980 sqft · built 1940
Lot Size	0.35 acres (15,200 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,009 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Oct 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`145203 104.75-3-10`

Property Details

APN / Parcel Number

Primary APN	`145203 104.75-3-10`
Alternative APN	`52031047500003010000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,980 sqft Living Area
1st Floor Area	1,356 sqft
2nd Floor Area	624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	15,200 sqft (0.35 acres)
Lot Dimensions	190 ft deep x 80 ft wide
Garage Type	Detached
Garage Area	448 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	94 ELM PL
City	LANCASTER
State	NY
Zip	14086-2203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	SC 7 402 14 8O X 190.35
Legal Subdivision	THE HOLLAND LAND COMPANYS SURVEY
Legal Block	3
Legal Lot Number	10.000
Jurisdiction	ERIE NY
Township / Civil Division	LANCASTER
Census Block Group	3
Census Block	3013
Census Tract	14400

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	94 ELM PL, LANCASTER, NY 14086-2203
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Oct 7, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Jan 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage KEYBANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	94 ELM PL, LANCASTER, NY 14086-2203
Transaction Type	Mortgage
Record Updated	Feb 16, 2026
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	94 ELM PL, LANCASTER, NY 14086-2203

Mortgage

Document Number	0141831924
Date	Dec 5, 2025
Book Page	14183/1924
Instrument	2025221346

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Nov 19, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	94 ELM PL, LANCASTER, NY 14086-2203
Transaction Type	Mortgage
Record Updated	Apr 5, 2024
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	94 ELM PL, LANCASTER, NY 14086-2203

Mortgage

Document Number	0140191673
Date	Oct 7, 2021
Book Page	14019/1673
Instrument	2021200642

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Sep 8, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	94 ELM PL, LANCASTER, NY 14086-2203
Document Number	0139298001
Instrument Date	Jan 4, 2020
Transaction Type	Mortgage
Record Updated	Mar 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	94 ELM PL LANCASTER NY 140862203, LANCASTER, NY 14086-2203

Mortgage

Document Number	0139298001
Date	Feb 11, 2020
Book Page	013929/008001

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Feb 10, 2022

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	$8,009.00 (+215.31%)
2025	$2,540.00 (-67.44%)	$240,000 (-) Land $47,600 Building $192,400	$375,000 (+12.51%) Land $74,375 Building $300,625
2024	$7,802.00	$240,000 (-) Land $47,600 Building $192,400	$333,300 (+4.16%) Land $66,104 Building $267,196
2023		$240,000 Land $47,600 Building $192,400	$320,000 Land $63,467 Building $256,533

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	2 (1996–2004)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2004 · other causes

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

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

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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