ZIP 14105 Foreclosure, Tax-Lien & Distress Report

Niagara County, New York's ZIP 14105 registers 19/100 composite distress, which DLRadar reads as low. What sets it apart are the readings on structural risk (42/100), construction/permit lag (33/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (7/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (69/100), flood (NFIP) exposure (68/100). On the structural side it scores 42/100, with 2/100 of stress already active.

The peak-phase market in 14105 posted values that rose 4.1% over the year, and 28% higher over three years (phase confidence 37/100). Topping markets hide individual distress behind strong averages.

The ZIP holds roughly 2,242 housing units. The demographic-stress sub-score lands at 20/100. At $85,208, median income runs near typical U.S. levels. Around 21% of adults hold a bachelor's degree or higher. Rent burden reaches 10% of tenant households. A median home runs $168,400 here, or 1.8 times local income. The poverty rate is 5.4% — low. 5,113 residents call 14105 home, typically aged 47. 83% of housing is owner-occupied. Vacancy runs 10.8%.

On balance, 14105 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. No parcel file is published for 14105 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 14105 runs hot or quiet, its 19/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 14105 can be compared directly against any other ZIP in Niagara County, New York or nationwide. 14105 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

14105's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 14105 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.