ZIP 14738 Foreclosure, Tax-Lien & Distress Report

ZIP 14738's composite property-distress score is 19/100 - DLRadar classes that as low for Chautauqua County, New York. Leading the profile are construction/permit lag (51/100), structural risk (43/100), institutional ownership (8/100). By contrast, institutional ownership (8/100) and mortgage stress (7/100) register low. Structural risk reads 43/100 against active distress of 2/100. Environmental exposure also runs high (climate & FEMA risk (81/100)).

The peak-phase market in 14738 posted values that rose 4.9% over the year, and 57% higher over three years, at 36/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Median household income is $70,000, near the U.S. median near $78,000. Population is roughly 3,550 with a median age of 40. Rent burden reaches 58% of tenant households. The typical home is worth about $150,800 (1.9× income, relatively affordable). 13.4% of residents fall below the poverty threshold. Around 17% of adults hold a bachelor's degree or higher. On demographic stress specifically, 14738 scores 29/100. Vacancy runs 18.9%, above the national norm and a classic distress-and-opportunity signal. 86% of housing is owner-occupied. There are about 1,834 housing units across 14738.

Net-net, 14738 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. 14738 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

No ZIP is too small to score: 14738 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 19/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 14738, the field stays empty rather than modeled, and fills in as new documents post.

14738's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. In workflow terms, 14738 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.