ZIP 14131 Foreclosure, Tax-Lien & Distress Report
Niagara County, New York · Distress market
ZIP code 14131 in Niagara County, New York carries a composite property-distress score of 21/100 — a low reading on DLRadar's deterministic public-record index. Structural exposure scores 47 and live distress 2 on the 0–100 scale. Leading the profile are 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). It additionally carries heavy environmental risk: climate & FEMA risk (84/100), flood (NFIP) exposure (68/100).
Prices here sit in a peak phase: values rose 4.1% over the trailing year, and 13% higher over three years (phase confidence 34/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.
Owners hold 87% of homes, renters 13%. Home values center near $211,800, an affordability ratio of 2.2× — accessible. The demographic-stress sub-score lands at 26/100. Households earn a median $91,424 — above the roughly $78,000 national figure. Vacancy runs 8.7%. Educational attainment sits at 21% bachelor's-or-above. The ZIP holds roughly 2,239 housing units. Rent burden reaches 45% of tenant households. About 5,339 people live here, median age 48. Roughly 6.3% live below the poverty line, a low share typical of higher-equity areas.
On balance, 14131 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Parcel-level detail for 14131 is not published yet -- the ZIP-level readings above remain fully sourced to public records.
No ZIP is too small to score: 14131 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 21/100 composite is a like-for-like number rather than an isolated estimate. Nothing here is interpolated — where a source is thin for 14131, DLRadar leaves it blank rather than guessing, and re-scores as new records post.
Behind 14131'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. In workflow terms, 14131 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.
What is driving ZIP 14131’s distress
Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
Snapshot: 14131 by the numbers
Current distress, phase, housing and lender-pressure figures for 14131, drawn from the same report attached to each property.
Neighbouring ZIPs in Niagara County
Related reports across Niagara County, New York
Other reports tied to Niagara County, New York — ZIP, county and statewide.
Unlock the full ZIP 14131 acquisition report
Open 14131 parcel by parcel: owner, address, APN, individual distress score, lender exposure, exit-velocity estimate, and funding and closing in a single click. Updated continuously across the country.
Each signal above is traceable to an open dataset · methodology