ZIP 14132 Foreclosure, Tax-Lien & Distress Report

Niagara County, New York's ZIP 14132 registers 22/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — climate & FEMA risk (84/100), flood (NFIP) exposure (72/100). Latent structural risk is 49/100 while live distress already moving reads 2/100. Leading the profile are structural risk (49/100), construction/permit lag (39/100), institutional ownership (17/100). institutional ownership (17/100) and mortgage stress (7/100) stay muted.

The market reads peak — home values rose 4.1% year on year, and 24% higher over three years, at 34/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Vacancy runs 4.5%. 6,432 residents call 14132 home, typically aged 45. At $102,244, median income runs above typical U.S. levels. Around 0% of renters are cost-burdened. The poverty rate is 6.6% — low. There are about 2,333 housing units across 14132. 89% of housing is owner-occupied. DLRadar's demographic-stress index for the area reads 19/100. About 27% have a four-year degree. Home values center near $284,900, an affordability ratio of 2.5× — accessible.

Overall 14132 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Because one deterministic model scores every ZIP, 14132's 22/100 can be lined up against any neighbor in Niagara County, New York or any ZIP coast to coast. Where the record is thin for 14132, the field stays empty rather than modeled, and fills in as new documents post.

14132'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. In workflow terms, 14132 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.