ZIP 14204 Foreclosure, Tax-Lien & Distress Report

ZIP 14204's composite property-distress score is 23/100 - DLRadar classes that as low for Erie County, New York. It additionally carries heavy environmental risk: climate & FEMA risk (98/100), flood (NFIP) exposure (79/100). Structural exposure scores 51 and live distress 2 on the 0–100 scale. Property-level stress concentrates in structural risk (51/100), construction/permit lag (26/100), institutional ownership (18/100). On the quiet end sit institutional ownership (18/100) and mortgage stress (7/100).

The peak-phase market in 14204 posted values that rose 4.1% over the year (phase confidence 34/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $26,000, below the U.S. median near $78,000. Roughly 34.8% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Vacancy runs 21.6%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 49% of tenant households. The demographic-stress sub-score lands at 49/100. About 16% have a four-year degree. A median home runs $152,400 here, or 5.8 times local income. Population is roughly 7,748 with a median age of 41. 30% of housing is owner-occupied. The ZIP holds roughly 5,470 housing units.

Taken together, 14204 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. No parcel file is published for 14204 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

No ZIP is too small to score: 14204 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 14204 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 23/100 for 14204 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 14204 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.