ZIP 14778 Foreclosure, Tax-Lien & Distress Report
Cattaraugus County, New York · High Poverty market
Composite property distress in 14778 (Cattaraugus County, New York) lands at 21/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: climate & FEMA risk (79/100). The split runs 47/100 structural to 0/100 active on the ground. Leading the profile are structural risk (47/100), construction/permit lag (45/100), institutional ownership (14/100). By contrast, institutional ownership (14/100) 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 78/100. 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 public 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.
ZIP 14778 distress signals, scored
Tax arrears, institutional buyers, insurance load, flood exposure, stalled construction, dislocated pricing and auction velocity — together with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.
14778 at a glance
Real-time distress, cycle phase, housing and bank-stress readings for 14778, the same set carried on every parcel.
Other Cattaraugus County ZIP codes
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Deterministic. Every signal traces to a public dataset · methodology