ZIP 14103 Foreclosure, Tax-Lien & Distress Report

ZIP 14103's composite property-distress score is 14/100 - DLRadar classes that as minimal for Orleans County, New York. Property-level stress concentrates in construction/permit lag (60/100), structural risk (34/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (8/100) stay muted. Climate and flood risk are elevated too — flood (NFIP) exposure (66/100). Structural risk reads 34/100 against active distress of 2/100.

The peak-phase market in 14103 posted values that rose 3.7% over the year, and 44% higher over three years (phase confidence 49/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Households earn a median $68,781 — near the roughly $78,000 national figure. About 18% have a four-year degree. There are about 4,809 housing units across 14103. Owners hold 72% of homes, renters 28%. The demographic-stress sub-score lands at 24/100. Population is roughly 10,836 with a median age of 41. Rent burden reaches 30% of tenant households. The vacancy rate is 6.4%. The poverty rate is 10.3%. Home values center near $144,700, an affordability ratio of 1.9× — accessible.

Net-net, 14103 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.

Whether 14103 runs hot or quiet, its 14/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 14103 can be compared directly against any other ZIP in Orleans County, New York or nationwide. Every figure is auditable to a public dataset and refreshed on ingest; 14103 shows blanks, not estimates, wherever the record is sparse.

Each component behind 14103 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 14/100 roll-up. The point of the 14103 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.