ZIP 14051 Property Distress & Foreclosure Data

ZIP code 14051 in Erie County, New York carries a composite property-distress score of 27/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (65/100). On the structural side it scores 60/100, with 2/100 of stress already active. What sets it apart are the readings on construction/permit lag (71/100), structural risk (60/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (7/100) register low.

The market reads expansion — home values rose 5.7% year on year, and 21% higher over three years (phase confidence 42/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

On demographic stress specifically, 14051 scores 23/100. About 20,333 people live here, median age 45. Households earn a median $126,895 — above the roughly $78,000 national figure. Around 45% of renters are cost-burdened. Roughly 4.1% live below the poverty line, a low share typical of higher-equity areas. A median home runs $421,300 here, or 3.0 times local income. About 64% have a four-year degree. The vacancy rate is 2.5%. The tenure split is 80% owner-occupied to 20% rented. The ZIP holds roughly 8,212 housing units.

Net-net, 14051 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.