ZIP 14534 Foreclosure, Tax-Lien & Distress Report

In Monroe County, New York, ZIP 14534 scores 25 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (58/100), construction/permit lag (55/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (8/100) register low. The latent-versus-live split is 58/100 structural and 2/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (93/100), flood (NFIP) exposure (79/100).

The market reads expansion — home values rose 5.7% year on year, 1.6% off the recent peak, and 32% higher over three years (phase confidence 56/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The vacancy rate is 1.7%. Roughly 2.5% live below the poverty line, a low share typical of higher-equity areas. The ZIP holds roughly 12,878 housing units. The tenure split is 90% owner-occupied to 10% rented. About 72% have a four-year degree. A median home runs $367,800 here, or 2.4 times local income. Around 50% of renters are cost-burdened. On demographic stress specifically, 14534 scores 20/100. Households earn a median $144,832 — above the roughly $78,000 national figure. About 33,361 people live here, median age 48.

Net-net, 14534 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.