ZIP 14051 Foreclosure, Tax-Lien & Distress Report
Erie County, New York · Distress market
Erie County, New York's ZIP 14051 registers 23/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (80/100). Latent structural risk is 51/100 while live distress already moving reads 2/100. The sharpest non-environmental signals are 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.
Prices here sit in a peak phase: values rose 4.1% over the trailing year, and 21% higher over three years (phase confidence 34/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.
DLRadar's demographic-stress index for the area reads 23/100. 20,333 residents call 14051 home, typically aged 45. Median household income is $126,895, above the U.S. median near $78,000. Rent burden reaches 45% of tenant households. 4.1% of residents fall below the poverty threshold. Home values center near $421,300, an affordability ratio of 3.0× — accessible. About 64% have a four-year degree. Vacancy runs 2.5%. Owners hold 80% of homes, renters 20%. There are about 8,212 housing units across 14051.
Overall 14051 looks resilient on the surface, so the edge is isolating individual stressed parcels. 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: 14051 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. Every figure is auditable to a public dataset and refreshed on ingest; 14051 shows blanks, not estimates, wherever the record is sparse.
The 23/100 figure for 14051 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. For an operator, 14051 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.
ZIP 14051 distress signals, scored
Tax-delinquent parcels, institutional ownership, insurance strain, flood risk, construction lag, price dislocation and auction speed — plus the 0 individual distressed properties come with owner, address, APN, an individual score and an exit read in the complete report.
The 14051 distress snapshot
The live 14051 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
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Unlock the full ZIP 14051 acquisition report
The full 14051 file lists each distressed parcel with owner, address, APN, per-property score, bank exposure and exit-velocity read, and carries it straight through funding and closing. Refreshed continuously.
Each signal above is traceable to an open dataset · methodology