ZIP 14609 Foreclosure, Tax-Lien & Distress Report

Monroe County, New York's ZIP 14609 registers 24/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: climate & FEMA risk (94/100), flood (NFIP) exposure (78/100). The pressure is most legible in structural risk (54/100), construction/permit lag (42/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (8/100) register low. Latent structural risk is 54/100 while live distress already moving reads 2/100.

The market reads peak — home values rose 3.7% year on year, and 29% higher over three years, at 49/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

There are about 19,353 housing units across 14609. 62% of housing is owner-occupied. About 40,171 people live here, median age 36. At $61,933, median income runs below typical U.S. levels. Roughly 18.5% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Vacancy runs 8.3%. About 33% have a four-year degree. On demographic stress specifically, 14609 scores 30/100. A median home runs $161,600 here, or 2.3 times local income. Around 52% of renters are cost-burdened.

Net-net, 14609 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. There is no property file for 14609 at the moment; the composite and its components are still built from verifiable public records.

Big metro or rural, 14609 runs through one identical public-record model, so its 24/100 sits on the same scale as every other ZIP in Monroe County, New York and the nation. Where the public record is thin for 14609, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 14609 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 24/100 roll-up. The point of the 14609 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.