ZIP 14094 Foreclosure, Tax-Lien & Distress Report

In Niagara County, New York, ZIP 14094 scores 21 of 100 for composite distress, a low level on DLRadar's public-record index. Structurally it carries 47/100, against 2/100 of stress already in motion. What sets it apart are the readings on structural risk (47/100), construction/permit lag (32/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (7/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (84/100), flood (NFIP) exposure (68/100).

The market reads peak — home values rose 4.1% year on 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.

About 50,526 people live here, median age 42. 11.0% of residents fall below the poverty threshold. The vacancy rate is 7.5%. About 29% have a four-year degree. 72% of housing is owner-occupied. DLRadar's demographic-stress index for the area reads 26/100. The typical home is worth about $197,200 (2.5× income, relatively affordable). At $73,354, median income runs near typical U.S. levels. The ZIP holds roughly 23,171 housing units. Around 33% of renters are cost-burdened.

Net-net, 14094 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.

No ZIP is too small to score: 14094 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 21/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 14094 reflects the current record instead of a stale or modeled snapshot.

Behind 14094's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 14094 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.