ZIP 14612 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 14612 (Monroe County, New York) returns a low composite of 24/100. Environmental exposure also runs high (climate & FEMA risk (94/100), flood (NFIP) exposure (78/100)). What sets it apart are the readings on 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. Structurally it carries 54/100, against 2/100 of stress already in motion.

The market reads peak — home values rose 3.7% year on year, and 31% higher over three years (phase confidence 49/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 35,339 with a median age of 45. About 36% have a four-year degree. 72% of housing is owner-occupied. The vacancy rate is 4.6%. A median home runs $202,900 here, or 2.3 times local income. Roughly 7.0% live below the poverty line, a low share typical of higher-equity areas. The ZIP holds roughly 16,230 housing units. Around 41% of renters are cost-burdened. The demographic-stress sub-score lands at 24/100. Median household income is $81,598, near the U.S. median near $78,000.

Overall 14612 looks resilient on the surface, so the edge is isolating individual stressed parcels. While 14612 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 14612 runs hot or quiet, its 24/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 14612 can be compared directly against any other ZIP in Monroe County, New York or nationwide. 14612 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

14612's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 14612 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.