ZIP 14109 Foreclosure, Tax-Lien & Distress Report

Niagara County, New York's ZIP 14109 registers 21/100 composite distress, which DLRadar reads as low. What sets it apart are the readings on structural risk (47/100), construction/permit lag (32/100), institutional ownership (16/100). On the quiet end sit construction/permit lag (32/100) and institutional ownership (16/100). Climate and flood risk are elevated too — climate & FEMA risk (84/100), flood (NFIP) exposure (68/100). Structural risk reads 47/100 against active distress of 0/100.

Prices here sit in a peak phase: values rose 4.1% over the trailing year (phase confidence 34/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

On demographic stress specifically, 14109 scores 0/100. About 1,341 people live here, median age 19.

Broadly, 14109 is a steadier market — the deals are the exceptions, not the rule. Parcel-level detail for 14109 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Whether 14109 runs hot or quiet, its 21/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 14109 can be compared directly against any other ZIP in Niagara County, New York or nationwide. Where the public record is thin for 14109, the field stays empty rather than modeled, and fills in as new documents post.

Behind 14109's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Treat 14109 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.