ZIP 14435 Foreclosure, Tax-Lien & Distress Report

In Livingston County, New York, ZIP 14435 scores 21 of 100 for composite distress, a low level on DLRadar's public-record index. It additionally carries heavy environmental risk: flood (NFIP) exposure (76/100). The latent-versus-live split is 50/100 structural and 2/100 already moving. Its standout signals are construction/permit lag (71/100), structural risk (50/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (8/100) register low.

The market reads expansion — home values rose 5.7% year on year, 1.6% off the recent peak, and 25% higher over three years (phase confidence 56/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

On demographic stress specifically, 14435 scores 25/100. Around 13% of renters are cost-burdened. A median home runs $208,800 here, or 3.1 times local income. About 29% have a four-year degree. Roughly 12.5% live below the poverty line. The tenure split is 89% owner-occupied to 11% rented. The vacancy rate is 26.6% — elevated. About 2,398 people live here, median age 53. Households earn a median $68,472 — below the roughly $78,000 national figure. The ZIP holds roughly 1,540 housing units.

Net-net, 14435 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.