ZIP 14425 Foreclosure, Tax-Lien & Distress Report

ZIP 14425's composite property-distress score is 26/100 - DLRadar classes that as low for Ontario County, New York. The split runs 57/100 structural to 6/100 active on the ground. Climate and flood risk are elevated too — FEMA disaster exposure (84/100), flood (NFIP) exposure (69/100), climate & FEMA risk (66/100). What sets it apart are the readings on structural risk (57/100), institutional ownership (53/100), construction/permit lag (32/100). construction/permit lag (32/100) and mortgage stress (21/100) stay muted.

The market reads peak — home values rose 3.7% year on year, and 25% higher over three years, at 49/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Population is roughly 13,582 with a median age of 38. 8.7% of residents fall below the poverty threshold. 72% of housing is owner-occupied. Around 39% of adults hold a bachelor's degree or higher. There are about 5,545 housing units across 14425. The vacancy rate is 4.2%. Households earn a median $92,010 — above the roughly $78,000 national figure. Around 45% of renters are cost-burdened. Home values center near $235,600, an affordability ratio of 2.4× — accessible. The demographic-stress sub-score lands at 26/100.

Net-net, 14425 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. While 14425 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 14425 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 26/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 14425 shows blanks, not estimates, wherever the record is sparse.

The 26/100 figure for 14425 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 14425 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.