ZIP 14086 Foreclosure, Tax-Lien & Distress Report

Erie County, New York's ZIP 14086 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). The split runs 51/100 structural to 2/100 active on the ground. The sharpest non-environmental signals are structural risk (51/100), construction/permit lag (26/100), institutional ownership (18/100). On the quiet end sit institutional ownership (18/100) and mortgage stress (7/100).

Prices here sit in a peak phase: values rose 4.1% over the trailing year, and 23% higher over three years, at 34/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Home values center near $294,300, an affordability ratio of 2.8× — accessible. The ZIP holds roughly 15,544 housing units. Households earn a median $95,949 — above the roughly $78,000 national figure. Around 39% of adults hold a bachelor's degree or higher. The poverty rate is 3.5% — low. Owners hold 84% of homes, renters 16%. On demographic stress specifically, 14086 scores 23/100. 35,659 residents call 14086 home, typically aged 46. Rent burden reaches 36% of tenant households. The vacancy rate is 2.3%.

Broadly, 14086 is a steadier market — the deals are the exceptions, not the rule. 14086 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Big metro or rural, 14086 runs through one identical public-record model, so its 23/100 sits on the same scale as every other ZIP in Erie County, New York and the nation. The score is rebuilt from public data as it updates, so 14086 reflects the current record instead of a stale or modeled snapshot.

14086'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. Treat 14086 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.