ZIP 14105 Property Distress & Foreclosure Data

ZIP code 14105 in Niagara County, New York carries a composite property-distress score of 17/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (37/100), construction/permit lag (18/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) and mortgage stress (7/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (69/100), flood (NFIP) exposure (62/100). The latent-versus-live split is 37/100 structural and 2/100 already moving.

The market reads expansion — home values rose 5.8% year on year, and 28% higher over three years (phase confidence 44/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The ZIP holds roughly 2,242 housing units. On demographic stress specifically, 14105 scores 20/100. Households earn a median $85,208 — near the roughly $78,000 national figure. About 21% have a four-year degree. Around 10% of renters are cost-burdened. A median home runs $168,400 here, or 1.8 times local income. Roughly 5.4% live below the poverty line, a low share typical of higher-equity areas. About 5,113 people live here, median age 47. The tenure split is 83% owner-occupied to 17% rented. The vacancy rate is 10.8%.

Overall 14105 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.