ZIP 14226 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 14226 (Erie County, New York) lands at 23/100 — low on DLRadar's distress scoring. Environmental exposure also runs high (climate & FEMA risk (98/100), flood (NFIP) exposure (79/100)). Structurally it carries 51/100, against 2/100 of stress already in motion. Its heaviest discrete signals: 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 market reads peak — home values rose 4.1% year on year, and 20% higher over three years, at 34/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The tenure split is 72% owner-occupied to 28% rented. A median home runs $263,800 here, or 2.9 times local income. The ZIP holds roughly 13,212 housing units. Rent burden reaches 37% of tenant households. Households earn a median $83,023 — near the roughly $78,000 national figure. Around 57% of adults hold a bachelor's degree or higher. The vacancy rate is 5.0%. DLRadar's demographic-stress index for the area reads 24/100. 9.3% of residents fall below the poverty threshold. Population is roughly 29,482 with a median age of 37.

On balance, 14226 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Whether 14226 runs hot or quiet, its 23/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 14226 can be compared directly against any other ZIP in Erie County, New York or nationwide. Nothing here is interpolated — where a source is thin for 14226, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 14226'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. For an operator, 14226 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.