ZIP 14004 Foreclosure, Tax-Lien & Distress Report

ZIP 14004's composite property-distress score is 21/100 - DLRadar classes that as low for Erie County, New York. What sets it apart are the readings on structural risk (48/100), construction/permit lag (26/100), institutional ownership (17/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (6/100). It additionally carries heavy environmental risk: climate & FEMA risk (89/100), flood (NFIP) exposure (76/100). On the structural side it scores 48/100, with 2/100 of stress already active.

The peak-phase market in 14004 posted values that rose 4.4% over the year, and 26% higher over three years, at 35/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $88,011 — above the roughly $78,000 national figure. There are about 4,249 housing units across 14004. On demographic stress specifically, 14004 scores 24/100. Rent burden reaches 29% of tenant households. Population is roughly 11,312 with a median age of 46. The typical home is worth about $258,300 (2.7× income, relatively affordable). Around 22% of adults hold a bachelor's degree or higher. The vacancy rate is 3.4%. Roughly 5.0% live below the poverty line, a low share typical of higher-equity areas. Owners hold 85% of homes, renters 15%.

On balance, 14004 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 14004 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 21/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed as records update; 14004 shows blanks, not estimates, wherever the record is sparse.

14004's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 14004 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.