ZIP 14102 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 14102 (Erie County, New York) returns a low composite of 23/100. Structural exposure scores 51 and live distress 2 on the 0–100 scale. Its standout 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. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (80/100).

The market reads peak — home values rose 4.1% year on year, and 27% higher over three years (phase confidence 34/100). Topping markets hide individual distress behind strong averages.

93% of housing is owner-occupied. The poverty rate is 0.8% — low. A median home runs $259,000 here, or 2.0 times local income. There are about 665 housing units across 14102. 1,894 residents call 14102 home, typically aged 41. The vacancy rate is 0.0%. On demographic stress specifically, 14102 scores 14/100. At $122,659, median income runs above typical U.S. levels. Rent burden reaches 0% of tenant households. Educational attainment sits at 41% bachelor's-or-above.

Overall 14102 looks resilient on the surface, so the edge is isolating individual stressed parcels. 14102 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

Whether 14102 runs hot or quiet, its 23/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 14102 can be compared directly against any other ZIP in Erie County, New York or nationwide. Nothing here is interpolated — where a source is thin for 14102, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

14102's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For an operator, 14102 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.