ZIP 14171 Foreclosure, Tax-Lien & Distress Report

Cattaraugus County, New York's ZIP 14171 registers 21/100 composite distress, which DLRadar reads as low. The split runs 46/100 structural to 3/100 active on the ground. Climate and flood risk are elevated too — climate & FEMA risk (79/100). The pressure is most legible in construction/permit lag (46/100), structural risk (46/100), institutional ownership (13/100). On the quiet end sit institutional ownership (13/100) and mortgage stress (9/100).

Prices here sit in a peak phase: values rose 4.9% over the trailing year, and 22% higher over three years, at 36/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Home values center near $178,800, an affordability ratio of 2.1× — accessible. The ZIP holds roughly 941 housing units. Population is roughly 1,736 with a median age of 55. Vacancy runs 21.5%, above the national norm and a classic distress-and-opportunity signal. Owners hold 94% of homes, renters 6%. 5.6% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 22/100. Median household income is $70,417, near the U.S. median near $78,000. Rent burden reaches 26% of tenant households. About 18% have a four-year degree.

On the whole, 14171 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 14171 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. Sparse data for 14171 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 14171'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. Treat 14171 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.