ZIP 14132 Property Distress & Foreclosure Data

ZIP code 14132 in Niagara County, New York carries a composite property-distress score of 19/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (84/100), flood (NFIP) exposure (68/100). On the structural side it scores 42/100, with 2/100 of stress already active. What sets it apart are the readings on structural risk (42/100), institutional ownership (16/100), construction/permit lag (15/100). By contrast, construction/permit lag (15/100) and mortgage stress (7/100) register low.

The market reads expansion — home values rose 5.7% year on year, and 24% higher over three years (phase confidence 42/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The vacancy rate is 4.5%. About 6,432 people live here, median age 45. Households earn a median $102,244 — above the roughly $78,000 national figure. Around 0% of renters are cost-burdened. Roughly 6.6% live below the poverty line, a low share typical of higher-equity areas. The ZIP holds roughly 2,333 housing units. The tenure split is 89% owner-occupied to 11% rented. On demographic stress specifically, 14132 scores 19/100. About 27% have a four-year degree. A median home runs $284,900 here, or 2.5 times local income.

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.