ZIP 14120 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 14120 (Niagara County, New York) returns a low composite of 21/100. It additionally carries heavy environmental risk: climate & FEMA risk (84/100), flood (NFIP) exposure (68/100). The pressure is most legible in structural risk (47/100), construction/permit lag (32/100), institutional ownership (16/100). On the quiet end sit institutional ownership (16/100) and mortgage stress (7/100). On the structural side it scores 47/100, with 2/100 of stress already active.

Prices here sit in a peak phase: values rose 4.1% over the trailing year, and 26% higher over three years (phase confidence 34/100). Topping markets hide individual distress behind strong averages.

Owners hold 72% of homes, renters 28%. 10.1% of residents fall below the poverty threshold. Population is roughly 44,379 with a median age of 44. Households earn a median $76,608 — near the roughly $78,000 national figure. The typical home is worth about $222,500 (2.7× income, relatively affordable). Vacancy runs 5.2%. The ZIP holds roughly 20,488 housing units. The demographic-stress sub-score lands at 27/100. About 30% have a four-year degree. Around 39% of renters are cost-burdened.

Overall, 14120 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. No parcel file is published for 14120 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 14120 read uses the identical public-record model applied coast to coast, which means its 21/100 score means exactly what it means anywhere else, and 14120 stays directly comparable to neighboring ZIPs and the rest of Niagara County, New York. 14120 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

The 21/100 for 14120 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. In workflow terms, 14120 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.