ZIP 14012 Foreclosure, Tax-Lien & Distress Report
Niagara County, New York · High Vacancy market
On DLRadar's 0-100 distress scale, ZIP 14012 in Niagara County, New York comes in at 21, a low composite-distress reading. On the structural side it scores 48/100, with 2/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (81/100), flood (NFIP) exposure (72/100). What sets it apart are the readings on structural risk (48/100), construction/permit lag (39/100), institutional ownership (17/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (7/100).
The market reads peak — home values rose 4.1% year on year, and 13% higher over three years (phase confidence 35/100). Topping markets hide individual distress behind strong averages.
Population is roughly 2,944 with a median age of 44. 88% of housing is owner-occupied. There are about 1,366 housing units across 14012. On demographic stress specifically, 14012 scores 28/100. Around 44% of renters are cost-burdened. Households earn a median $72,333 — near the roughly $78,000 national figure. The typical home is worth about $172,800 (2.3× income, relatively affordable). Educational attainment sits at 19% bachelor's-or-above. The vacancy rate is 17.7% — elevated. 13.7% of residents fall below the poverty threshold.
Net-net, 14012 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 14012 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.
Because one deterministic model scores every ZIP, 14012's 21/100 can be lined up against any neighbor in Niagara County, New York or any ZIP coast to coast. 14012 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
14012'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. For a buyer, 14012 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.
What is driving ZIP 14012’s distress
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties are listed in full, with owner, address, APN, per-parcel score and exit-velocity read.
ZIP 14012 Stress Report snapshot
The live 14012 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
More ZIPs across Niagara County
Nearest ZIP codes to 14012
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
More distress data near 14012
Further distress data across Niagara County, New York at ZIP, county and state level.
Open the complete 14012 acquisition file
See who owns each distressed property in 14012, where it is, its APN and score, the bank behind it and how fast it should exit — then open its owner and lender records in one click. Continuously refreshed, nationwide.
Deterministic. Every signal traces to a public dataset · methodology