ZIP 14539 Foreclosure, Tax-Lien & Distress Report

Livingston County, New York's ZIP 14539 registers 21/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — flood (NFIP) exposure (76/100). What sets it apart are the readings on construction/permit lag (67/100), structural risk (49/100), institutional ownership (17/100). On the quiet end sit institutional ownership (17/100). Structurally it carries 49/100, against 0/100 of stress already in motion.

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

Owners hold 87% of homes, renters 13%. Vacancy runs 0.0%. About 115 people live here, median age 48. About 15% have a four-year degree. The typical home is worth about $114,300 (1.3× income, relatively affordable). DLRadar's demographic-stress index for the area reads 29/100. There are about 47 housing units across 14539. Households earn a median $121,250 — above the roughly $78,000 national figure. Around 100% of renters are cost-burdened. The poverty rate is 0.0% — low.

Broadly, 14539 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Because one deterministic model scores every ZIP, 14539's 21/100 can be lined up against any neighbor in Livingston County, New York or any ZIP coast to coast. Every figure is auditable to a public dataset and refreshed on ingest; 14539 shows blanks, not estimates, wherever the record is sparse.

The 21/100 for 14539 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. Practically, 14539 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.