ZIP 14138 Foreclosure, Tax-Lien & Distress Report

ZIP 14138's composite property-distress score is 20/100 - DLRadar classes that as low for Cattaraugus County, New York. The most distinctive pressure shows up in construction/permit lag (50/100), structural risk (44/100), institutional ownership (10/100). institutional ownership (10/100) and mortgage stress (8/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (80/100). Structural risk reads 44/100 against active distress of 2/100.

Prices here sit in a peak phase: values rose 4.9% over the trailing year, at 36/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $57,239, median income runs below typical U.S. levels. Roughly 26.4% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The tenure split is 71% owner-occupied to 29% rented. Around 20% of adults hold a bachelor's degree or higher. The vacancy rate is 16.0% — elevated. Home values center near $111,700, an affordability ratio of 2.0× — accessible. Rent burden reaches 41% of tenant households. The ZIP holds roughly 977 housing units. DLRadar's demographic-stress index for the area reads 31/100. 2,019 residents call 14138 home, typically aged 42.

On the whole, 14138 leans distressed, with opportunity clustered in specific stressed parcels. While 14138 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Because one deterministic model scores every ZIP, 14138's 20/100 can be lined up against any neighbor in Cattaraugus County, New York or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 14138, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

14138'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, 14138 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.