ZIP 14778 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 14778 (Cattaraugus County, New York) lands at 21/100 — low on DLRadar's distress scoring. It additionally carries heavy environmental risk: climate & FEMA risk (79/100). The split runs 46/100 structural to 0/100 active on the ground. Leading the profile are construction/permit lag (46/100), structural risk (46/100), institutional ownership (13/100). By contrast, institutional ownership (13/100) register low.

The market reads peak — home values rose 4.9% year on year (phase confidence 36/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Roughly 84.6% live below the poverty line, elevated and often tied to deferred-maintenance inventory. About 36% have a four-year degree. The demographic-stress sub-score lands at 88/100. Population is roughly 1,428 with a median age of 20.

Net-net, 14778 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 14778 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 14778 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 21/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 14778, the field stays empty rather than modeled, and fills in as new documents post.

The 21/100 figure for 14778 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 14778 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.