ZIP 14108 Foreclosure, Tax-Lien & Distress Report

ZIP 14108's composite property-distress score is 22/100 - DLRadar classes that as low for Niagara County, New York. Structural exposure scores 49 and live distress 2 on the 0–100 scale. Environmental exposure also runs high (climate & FEMA risk (84/100), flood (NFIP) exposure (72/100)). What sets it apart are the readings on structural risk (49/100), construction/permit lag (39/100), institutional ownership (17/100). On the quiet end sit institutional ownership (17/100) and mortgage stress (7/100).

The market reads peak — home values rose 4.1% year on year, and 17% higher over three years, at 34/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

5,301 residents call 14108 home, typically aged 46. The vacancy rate is 8.0%. Home values center near $162,700, an affordability ratio of 2.0× — accessible. Roughly 7.2% live below the poverty line, a low share typical of higher-equity areas. 83% of housing is owner-occupied. Median household income is $72,977, near the U.S. median near $78,000. On demographic stress specifically, 14108 scores 18/100. There are about 2,401 housing units across 14108. Educational attainment sits at 27% bachelor's-or-above. Rent burden reaches 0% of tenant households.

On balance 14108 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Parcel-level detail for 14108 is not published yet -- the ZIP-level readings above remain fully sourced.

Big metro or rural, 14108 runs through one identical scoring model, so its 22/100 sits on the same scale as every other ZIP in Niagara County, New York and the nation. Nothing here is interpolated — where a source is thin for 14108, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

14108's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. Practically, 14108 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.