ZIP 14610 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 14610 (Monroe County, New York) returns a low composite of 24/100. Climate and flood risk are elevated too — climate & FEMA risk (94/100), flood (NFIP) exposure (78/100). Its standout signals are structural risk (54/100), construction/permit lag (42/100), institutional ownership (18/100). institutional ownership (18/100) and mortgage stress (8/100) stay muted. The latent-versus-live split is 54/100 structural and 2/100 already moving.

The market reads peak — home values rose 3.7% year on year, and 27% higher over three years, at 49/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The ZIP holds roughly 7,852 housing units. 54% of housing is owner-occupied. Around 43% of renters are cost-burdened. Vacancy runs 7.5%. Home values center near $258,500, an affordability ratio of 2.9× — accessible. At $83,260, median income runs near typical U.S. levels. DLRadar's demographic-stress index for the area reads 26/100. Roughly 12.0% live below the poverty line. Population is roughly 14,082 with a median age of 43. Around 66% of adults hold a bachelor's degree or higher.

Overall 14610 looks resilient on the surface, so the edge is isolating individual stressed parcels. Parcel-level detail for 14610 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

No ZIP is too small to score: 14610 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 24/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 14610 shows blanks, not estimates, wherever the record is sparse.

Behind 14610's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 14610 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.