ZIP 14803 Foreclosure, Tax-Lien & Distress Report

ZIP code 14803 in Allegany County, New York carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. The latent-versus-live split is 56/100 structural and 6/100 already moving. Its heaviest discrete signals: construction/permit lag (57/100), structural risk (56/100), institutional ownership (44/100). mortgage stress (21/100) stay muted. Climate and flood risk are elevated too — FEMA disaster exposure (84/100), climate & FEMA risk (70/100).

The expansion-phase market in 14803 posted values that rose 5.9% over the year, at 38/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Vacancy runs 18.9%, above the national norm and a classic distress-and-opportunity signal. Around 53% of renters are cost-burdened. 80% of housing is owner-occupied. About 45% have a four-year degree. The typical home is worth about $140,600 (2.4× income, relatively affordable). 28.7% of residents fall below the poverty threshold. Population is roughly 1,491 with a median age of 31. There are about 724 housing units across 14803. The demographic-stress sub-score lands at 31/100. At $58,537, median income runs below typical U.S. levels.

Net-net, 14803 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. While 14803 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: 14803 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 26/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed on ingest; 14803 shows blanks, not estimates, wherever the record is sparse.

Behind 14803'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. For a buyer, 14803 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.