ZIP 14781 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 14781 (Chautauqua County, New York) at a low 18/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (83/100). On the structural side it scores 39/100, with 1/100 of stress already active. Property-level stress concentrates in construction/permit lag (55/100), structural risk (39/100), mortgage stress (5/100). mortgage stress (5/100) and institutional ownership (3/100) stay muted.

The peak-phase market in 14781 posted values that rose 4.9% over the year, at 36/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The tenure split is 82% owner-occupied to 18% rented. The poverty rate is 13.6%. Around 32% of renters are cost-burdened. Around 17% of adults hold a bachelor's degree or higher. Vacancy runs 16.3%, above the national norm and a classic distress-and-opportunity signal. Population is roughly 1,859 with a median age of 45. Median household income is $65,134, below the U.S. median near $78,000. The typical home is worth about $145,300 (1.9× income, relatively affordable). The demographic-stress sub-score lands at 26/100. The ZIP holds roughly 920 housing units.

Net-net, 14781 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 14781 at the moment; the composite and its components are still built from verifiable public records.

The 14781 read uses the identical public-record model applied coast to coast, which means its 18/100 score means exactly what it means anywhere else, and 14781 stays directly comparable to neighboring ZIPs and the rest of Chautauqua County, New York. Where the public record is thin for 14781, the field stays empty rather than modeled, and fills in as new documents post.

Behind 14781'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. In workflow terms, 14781 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.