ZIP 14031 Foreclosure, Tax-Lien & Distress Report
Erie County, New York · Distress market
Composite property distress in 14031 (Erie County, New York) lands at 23/100 — low on DLRadar's public-record scoring. Its heaviest discrete signals: structural risk (51/100), construction/permit lag (26/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (7/100) register low. Environmental exposure also runs high (climate & FEMA risk (98/100), flood (NFIP) exposure (80/100)). Latent structural risk is 51/100 while live distress already moving reads 2/100.
Prices here sit in a peak phase: values rose 4.1% over the trailing year, and 24% higher over three years (phase confidence 34/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
Around 38% of renters are cost-burdened. The poverty rate is 9.7%. The tenure split is 80% owner-occupied to 20% rented. There are about 4,597 housing units across 14031. At $99,639, median income runs above typical U.S. levels. Home values center near $343,700, an affordability ratio of 3.3× — accessible. Around 51% of adults hold a bachelor's degree or higher. 9,741 residents call 14031 home, typically aged 51. On demographic stress specifically, 14031 scores 26/100. Vacancy runs 9.0%.
Overall 14031 looks resilient on the surface, so the edge is isolating individual stressed parcels. There is no property file for 14031 at the moment; the composite and its components are still built from verifiable public records.
No ZIP is too small to score: 14031 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 14031 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 23/100 figure for 14031 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Treat 14031 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.
What is driving ZIP 14031’s distress
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
ZIP 14031 Stress Report snapshot
The live 14031 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Adjacent Erie County ZIP reports
Related reports across Erie County, New York
Keep going: ZIP, county and state distress coverage for Erie County, New York.
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Each signal above is traceable to an open dataset · methodology